Category Archives for Courier Guide

Cargo delivery Bike

Which Bike Delivery Service Model?

A comparison of 3 cycle delivery models

Below we have explored the 3 main cycle delivery service methods. These are broad categories and overlaps do exist with a plethora of in between business setups. The cargo can also vary from time sensitive documents to fast food delivery.

1 Mail

Express mail delivery is always in demand, but the postage costs can be high even excessive. Can you provide a competing service for the local businesses in your town or city? 

Operation Considerations

This is a model that can be entered into with minimum investment and is perfect for standard cycles with a few inexpensive addons to help carry documents safely. As these can be very important take an urgent contract that needs signing and returning.  If business grows you have an option to add a small trailer.

This model is best suited to high occupancy commercial arrears or possibly residential areas. The later may be suited to working with the local council to deliver time critical documentation or correspondance.

2 Point to Point

This is operating under a simple on demand basis with the courier providing a collection and delivery service. The delivery time being based on the service deliver parameters agreed within the contract. In this model urgent deliveries would be the most expensive.  

Operation Considerations

Request for this service can be at any time of the day and it is vital to be able to optimise for efficient use of your fixed resources. The cargo size may be larger than standard mail so consider wither adding trailers or employing cargo bikes.

3 Last Mile

This typically involves delivery on a larger scale from depots located on the outskirts to town or city center.

Operation Considerations

Most likely will need a secure storage area and good levels of insurance that includes goods in transit and storage. Trikes are more suited as deliveries will be larger with many operators offering a local outsourcing service to the bigger national carriers like DHL for example.

Courier robots

What is GIT

What is GIT

GIT covers the goods that you are in temporary charge of on behalf of a third party (the owner of the goods). So whilst your standard courier insurance covers your vehicle, goods in transit cover abbreviated to GIT covers your for damage to the goods that you or your company are hauling or transporting. 

Please take note that some courier polices will have some GIT cover. However,  it is normally capped at a fixed amount which may not be adequate for your business needs. 

Check Exclusions

It is important to be aware that this type of cover can be very particular and does come with common exclusions, for example dangerous chemicals would not normally be included. In addition some insurers may only provide partial cover for items deemed an easy target for theft. Electronic items would normally fall into this higher risk category.

Haulage of non standard items

If you receive a haulage request for goods that are different to what you normally haul then you need to consider if your existing cover extends to this new type of goods. On these occasions it is best to first check with your broker if your current cover is adequate. If not you could suggest to the potential customer to provide their own GIT cover. If a one off job getting the customer to provide  the cover may be the best option.

Be aware that that some brokerages will not cover some materials except if specifically included. For example dangerous chemicals or expensive items such as gold or diamonds are normally excluded. if unsure please read the policy details.  If at any time you change the types of good that you work with double check with your broker to verify that your existing policy covers the new haulage category.

If goods are in your possession you are liable

You are responsible for any goods that are in your possession. This means if any damage or loss occurs you or your business will be held liable. To protect your self you need a good take out goods in transit insurance to cover any damage or loss.. 

What is Courier Insurance

Do I Need Courier Insurance ?

Tailored courier insurance policies

The same as the goods that you move around, courier policies come in all shapes and sizes to suit the different ranges of customer. Each business will have unique features maybe they transport dangeorors of ultra expensive goods. In these extreme cases  a standard courier policy would not be sufficient in terms of cover. The premium amount will be much higher to reflect that added risk taken by the underwriter. Indeed you may even find it impossible to get insurance if you are deemed too high a risk.

The reverse is also true, maybe  you need food delivery insurance in which case the premium increase will be much lower than for delivering precious items 

Your sandard vehcicle policy may provide limited cover

In the UK you must have the correct motor insurance in order to drive your vehicle on the UK roads. When you work as a courier  then you will need cover classed as 'carriage of goods' also referred to as GIT insurance.

Standard car insurance can sometimes provide a very limited cover for couriers, but is not really adequate for a full time business. However, do check your with your insurance provider to see what way you  are currently covered if you decide to provide a delivery of goods service.

Higher excess than standard car cover to reflect added risk

Very much like normal car insurance, courier insurance falls into three main types of cover which are third party only, third party fire and theft, and fully comprehensive. Each category will come with an excess similar to standard car insurance. The difference with courier insurance is that the excess can be very much higher. If necessary  you could consider taking a out a separate policy to cover the excess. A better approach is to focus on improving driving standards and thus lower your risks.

It is a legal requirement to have car insurance. You should not assume that your standard car insurance will cover you for operating a courier service. You will need to contact your broker to advise them of change of use. In turn they will change the policy to include business use, but the premium will be increased

Compare costs

Do you need a quote for courier insurance? We can help by providing you with multiple quotes from a panel of top UK insurance providers. Simply select the get quote and complete a simply online form. In under 10 minutes you will start receiving details of insurance policies and prices.

Female courrier on a Perfect delivery

How to set up a courier business

Starting a courier business

The courier business has seen explosive growth in 2 key sectors with the UK.

  • 1
    Food and Beverage Delivery
  • 2
    Parcel Delivery

Demand for couriers is greatest in the business regions of major UK cities. This demand is of a business nature, delivery of urgent documents for example. However, a demand for fast food delivery service exists in all regions of the UK as the love of fast food continues.  Hot on the heels of fast food is beverage delivery.  

The new dray service, launched earlier this year, comes on the back of a more than 200% boost in revenue for the courier from the food and beverage sector in 2017


Before embarking on this path work out any upfront costs and study your competition. Take into account all upfront and ongoing costs, including the cost of food courier insurance .

Courier entry levels

Because of the different entry levels, opportunities exist for those starting off with a small budget for example providing a simple bike courier service. Which ever approach you plan it is paramount that you position yourself as a firm that not only delivers, but provides great service.

If you can think of something that can set you apart from the pack then all the better. A path exists to start as a bike courier progress to a van couriers and beyound.

The ease of entry is also the downfall of the courier industry so be warned whilst it is relatively easy to enter competition will always be at your heels.  To some it may seem that all you need is an office, a mobile device, and a courier vehicle. As a result, there are many new courier businesses that start up each only to fail. 

Many other opportunities exist in the haulage of goods sector. These are in general more expensive to set up as normally you will need to invest in vans or heavy goods vehicles. If you can enter at this level and be successful the rewards will be huge.

Do the research, create a business plan and be cautious taking nothing as given, in other words be prepared for long hours and hard work. Success can be achieved with determination, planning and a service minded attitude

The least investment path

If you do not have unlimited money for a fleet of push or motor bikes, most likely you will have people working for/with you on a self-employed basis, rather than as employees. A key advantage of this is that they will be responsible when it comes to providing their own bikes and equipment, in addition to storing and maintaining them.

Establish a strong business image - stand out from the crowd

We all know that motorcyclists and cyclists are indeed vulnerable on the roads, but they also can be very visible. Because of this you can enhance both your rider’s safety and the company advertising by the use of bright, noticeable colours or logos.

Courier Safety Tips

Road Safety Reminders for Delivery Drivers

Road Safety Reminders for Delivery Drivers

Whether you are the owner a haulage company, or work as a driver for one, road safety must always be observed. This is of particular concern for drivers that offer a service that requires them to operate during nighttime and sometimes against the clock. If you deliver fast food as a night job, tiredness can lead to accidents. Taking precautions will help mitigate your chances of being in a road accident. Should you have an accident make sure you are covered with food courier insurance or courier driver insurance.

Regular vehicle maintenance

As the old saying goes … an ounce of prevention better than of pound of cure. There is nowhere this is more true than in the transport industry. Regularly scheduled vehicle check-ups, along with maintenance might sometimes seem at times tedious, but one should not take the safety of themselves and other motorists lightly. As they go about their delivery work, drivers should be confident that their vehicle is in the very best condition possible.

Perform a regular check to ensure that your brakes, tyres, wheel bearings, and steering, should all be in proper working condition.  BY adding a regular maintenance into your work schedule you are taking positive steps to lower your risk of filing a claim against your insurance company. The ultimate benefit of regular maintenance is it will help ensure  safety of you and your cargo.

Be prepared in case of accidents

It’s true that sometimes, that no amount of preparatory measures will ensure that you have a 100%, accident-free operation. Perhaps, even though you have observed all of the precautionary measures possible, you are still not able to control how other drivers are going to act. 

Should it happen that you are involved in an accident while doing your delivery work, you would do well to know a certain emergency procedures such as treating minor injuries, how to prevent the situation from worsening, and getting the proper in the shortest time possible.

Stay alert and take regular breaks

Many road accidents occur as a result of the most seemingly minor or insignificant reasons. One of the primary reasons for accidents is that a driver is overly fatigued. This however is far from an insignificant issue. As far as road safety goes, one of the top priorities is that the driver must be able to the manoeuvre the vehicle effectively, especially at night. It is of the utmost importance, that drivers are well-rested prior to setting out on a long journey. Remember, even an urgent delivery is not as important as a delivery driver acting responsively and driving safely on the road.

Recent survey shows many drivers nearly fall asleep 

A government survey showed that at 27% of drivers admitted to short periods of drowsiness and have nodded off or fallen asleep at some time whilst driving. So While the temptation may be there to work longer hours, you need to sleep at least six to eight hours night. Regardless of what a the company may say they need you to do, you must sleep and take other rest stops as recommend, or even mandated by law.

Get out of trouble kit

As a delivery driver, it’s always best to have some essentials with you at all times. Consider making a small bag of these, or put them in the vehicle permanently. These could include a radio, map, a roll of world-famous duct tape, a log book, scissors, a calculator, a few wrenches and screwdrivers, and a set of jumper cables.

What is Courier Insurance

Why you need to take out cover

The purpose of courier insurance is to protect not only your vehicle and its cargo, but also you. As is very often the case, as a courier, you will be transporting valuable packages for your clients. In addition couriers spend most of their time driving and this extends your risk of being in accident. Most standard insurance policies will not provide the cover require at the level required. 

This is exactly where courier insurance comes into play. This type of insurance is specifically designed for the unique risks couriers are exposed to. The correct Courier Insurance policy will cover you should your cargo be stolen, lost, or damaged in transit.

Courier as a part time job

Many opportunities exists to work as a courier on a part time basis. The most popular is food delivery. This is popular as it something that you can do in the evening time to supplement you income. No qualifications are needed, but you should take out food courier insurance if using your own car or van. With online shopping dominating a need exists for delivery drivers. Both could be a part time job or you could go the self employed route full time.

Do I need Courier Insurance ?

A standard business car policy can provide cover as to the value of the vehicle in addition to any damage that you may cause to people, property, and other vehicles. However, it will not cover the goods you are transporting. Although it is not illegal to transport under standard car insurance, it not wise to take the chance.

Having the right type of cover in place for both your vehicle and its cargo are essential to protect against crippling payouts. This very special type of insurance is designed to handle the unique risks that couriers face as they operate their business including:

  • High Daily Mileage
  • Multiple Stops During a Trip
  • Varied Nature of Cargo and its Value

Standard car or van insurance will in most cases not provide you the additional cover for goods in transit. However, do check with your broker as it may be included but with limit on payout. If the limit leaves too much exposure ask to get it increased or take out goods in transit insurance as an addition. 

Risks of not having suitable cover

Failure on your part to acquire the correct courier Insurance policy, could have the results of a fine, points on your license, or even a driving ban. In the worst case scenario you also have to cover the costs of the items being couriered. Is it worth the risk?