Compare Courier Insurance Quotes

  • Multiple quotes from specialist brokers
  • Courier cars bikes van LGV and HGV
  • Goods in transit cover
well done insurance
think insurance
milestone insurance
  • Flexibile payment options
  • Food delivery drivers
  • Courier documentation instantly available online

Courier insurance is an important component of any type of carrier business.  If the goods that you transport can be easily sold on the black market or are valuable then your business may become the victim of theft. Because of this fact it is important that you have a good level of cover in place to protect your business against the loss or damage of goods whilst they are in your custody.

Because of the inherent risks, policies for courier insurance can be expensive and it will pay to compare what options are currently available in the marketplace.  One approach to potential savings is to get multiple quotes and compare what is included and not included and the policy price.

Cover for food delivery drivers is available

Britain being a lover of takeaways and fast food ensures that fast food delivery insurance is a much sought after product for drivers delivering hot food, gourmet food or delivering food wholesale. If you deliver using a car you will need car courier insurance or motorbike cover if using a motorbike. 

Flexibile Payment options Available

  • Pay monthly with direct debit or bank transfer
  • Pay quarterly
  • Pay one off annual payment

 Vehicle Cover available at 3 levels

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  • Third party only. Covers you for any damage made to the property of a third party including or any injuries that may result.
  • Third party plus Fire & Theft.
  • Comprehensive

What is the difference if any between haulage and courier cover

Both have similarities, but they are also different. Both have one common feature they both include cover for ‘ carriage of goods  for hire and reward'. A premium is derived based on risk to the broker of having to payout and average payout amount. As risk can be greater for haulage the underwriters differentiate these 2 modes of carriage as different and policies are constructed to reflect the difference.

  • The key difference is that haulage is associated with the movement of a consignment from A to B , the consignment most often is white goods or dry goods  but can also be livestock.
  • Couriers tend to provide a delivery service of various items and one journey typically will involve many drop offs or deliveries at different locations.
  • Couriers tend towards faster and cheaper delivery mode that include car, small van , motorcycle or push bike.
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    As haulier usually equates to the bulk movement of goods, hauliers will most likely be using  heavy good vehicles in contrast to small vans typical of a courier service
  • Alternate Arrow Circle Right
    Couriers tend towards faster and cheaper delivery methods , for example cars, small vans, motorcycles or push bikes.

In summary if you are being paid for the delivery of other people's good on a multi drop basis then you should purchase insurance for couriers. The converse is true of haulage cover which will involve moving bulk goods from origin to destination. Multi drop is normally accepted to be 3 or more different drop locations per day.

What does courier insurance cost?

The cost of cover depends on a multitude of factors some of which you do have control over. One of these is which insurance category the actual vehicle that you use falls into. 

These categories normally range from 1 to 20, category 1 contains vehicles that are in general the cheapest to insure. The main factors that are used to determine which group are as follows:

  • The purchase price and the price of spare parts.
  • The size, the bigger the more cargo that will need covered. 
  • The average costs to repair 

GIT : Cover for the goods in haulage

In addition to the courier insurance for your mode of transport you will also require cover for goods in transit and public liability. GIT will protect your merchandise whilst in transit, some level of GIT cover may be already included in your courier plocy, but it most likely not be sufficent.. Make it clear to the broker the types of service or services that you intend to provide. 

Public Liability

Any business that has contact with the public leave themselves open to public liability claims, for example if the goods that you are couriering were to fall out the rear and cause injury to passing pedestrians or fellow motorists.  In brief public liability insurance  helps protect your business against claims lodged by the public for damages caused by your business operations.