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Business Choice Direct

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Choice Direct

Meeting Your Business Insurance Needs

Commercial Vehicle

Courier Insurance

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✓ Flexible payment plans

✓ Unlimited mileage cover

✓ Highly competitive rates

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What is Courier Insurance?

If you’re a courier or delivery driver you’ll need specialist Courier Insurance (also referred to as Delivery Driver Insurance) to protect your vehicle and the goods you carry. Unlike standard car or van insurance, Courier Insurance provides protection specifically tailored to the unique risks faced by those in the courier industry. This includes increased mileage, more frequent stops, and the handling of valuable goods.

Whether you’re a self-employed driver or a business managing a fleet of vehicles, having the right insurance is essential for legal compliance and financial protection. Driving without the correct insurance can lead to fines, penalty points on your licence, or even disqualification. Additionally, you risk not being covered in the event of an accident or damage, which can result in substantial out-of-pocket expenses.

What insurance does a courier need?

As specialist Courier Insurance brokers, we work with a panel of leading insurers to offer a flexible range of cover. Whether you’re a self-employed courier looking for the cheapest Courier Insurance for your needs, or a well-established courier business looking for comprehensive protection for multiple vehicles, our friendly, experienced team will help you compare Courier Insurance options and find the right cover for you. Typically, insurance for couriers includes:

✓  Courier Van Insurance: This is the core of any Courier Insurance policy. You can choose between third-party only, third-party fire and theft, or comprehensive cover. Comprehensive Courier vehicle insurance offers the highest level of protection, including damages to your vehicle, theft, and third-party liability.

✓  Goods in Transit: This is a vital part of insurance for couriers, covering the goods you are transporting. Whether you’re delivering packages for a courier company or handling specialised items for businesses, Goods in Transit Insurance protects against damage, theft, or loss of goods while they are being transported.

✓  Public Liability: This covers you if you accidentally cause injury to a third party or damage their property while delivering goods. For instance, if you were to accidentally damage a customer’s property when making a delivery, Public Liability Insurance would help cover the cost of compensation claims.

✓  Employers’ Liability Insurance: If you employ other couriers or staff, Employers’ Liability Insurance is a legal requirement in the UK. It covers the costs if an employee is injured or becomes ill as a result of their work.

✓  Courier Fleet Cover: For businesses operating multiple vehicles, Courier Fleet Insurance can be a cost-effective solution, providing coverage for all vehicles under a single policy. It simplifies management and can often result in lower premiums than insuring each vehicle individually.

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Courier Van Insurance you can rely on

We make Courier Van Insurance and van insurance for delivery drivers simple, affordable and flexible. Get reliable cover that works as hard as you do, so you can drive more, earn more, and feel supported by friendly experts who actually answer the phone. Switch to Business Choice Direct and benefit from:

✓  Competitive, cheap courier van insurance: With excellent rates and rock-solid reliability.

✓  Unlimited mileage cover: Work as much as you like; your earnings aren’t capped by limits.

✓  Flexible payment plans: We offer monthly instalment plans to help you spread the cost, choose your payment dates, and settle early if you want.

✓  Panel of trusted courier van insurance companies: we search the market to find the best courier van insurance policy for your needs.

✓  Specialist advice: our insurance experts will answer your questions and guide you through the whole process, in plain English and without the jargon.

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Why choose Business Choice Direct?

It’s simple, it’s quick and it’s really cost effective. Trust us to understand your needs and everyday challenges. We have been providing reliable and competitive courier insurance for years, so you can be confident that we can help you save time, money and costly mistakes. Maybe it’s not your top priority, but we make it ours! Our policies are tailor made, not off-the-shelf, so you get the best cover, based on your specific insurance needs.

Frequently Asked Questions need some help?

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What is courier van insurance and why do I need it?

Insurance for your vehicle is legally required for everyone. Any vehicle used on the public highway must be insured by law.

As a courier you need Hire & Reward Insurance.

As couriers carry goods or materials on behalf of other people, you specifically need a level of cover called ‘Hire & Reward’. It’s not just couriers who need Hire & Reward Insurance; people like Taxi Drivers, Chauffeurs and Fast-Food Deliveries need this unique cover too.

If you carry goods for hire or reward, a standard van policy or commercial van policy will not cover them.

The key cover you need is Hire & Reward Insurance and you can then select three levels of cover which protects your vehicle either on a fully comprehensive basis or, third party fire and theft or third party only.

• Comprehensive insurance covers you against damage or injury to a person (the third-party), their property or vehicle, theft of or fire damage to your vehicle, plus cover for damage to your own vehicle.

• Third-party, Fire & Theft covers against damage or injury to a person (the third-party), their property or vehicle, plus offers cover for theft of or fire damage to your vehicle.

• Third-party is the most basic level of cover, protecting you against damage or injury to a person (the third-party), their property or vehicle only. It does not protect your own vehicle.

Regular car or van insurance does not offer the appropriate cover for work as a courier. As a courier, you are constantly on the road, typically delivering goods to one or more locations using your vehicle for commercial gain. In contrast, most people’s cars are sat on their driveway, or in a work car park for the majority of the day. Your vehicles are therefore exposed to more risk than is normally encountered by non-courier car or van drivers.

If you get paid to deliver goods, you also need the specialist cover called ‘hire or reward’. In addition, you need your insurance to cover the risk that you pose to other road users and the public. Van Insurance for couriers needs to be more comprehensive than normal van insurance, and at BCD, we can talk you through the different aspects such as Goods in Transit Insurance and Public Liability Insurance. We can also help you with cover for specialised vehicles, such as refrigerated vans, and international transport cover.

Yes! Talk to our experts at BCD who will evaluate your individual circumstances. Our policies are tailor made, not off-the-shelf, so we will find the appropriate cover, based on your specific insurance needs.

At BCD we search the market and use our contacts with a wide range of insurance providers to get you the best deal. Whilst cheap courier van insurance is a consideration, it is important to make sure that you have the optimum protection that meets your needs.

Talk to the experienced BCD team to compare courier van insurance costs and get the right commercial vehicle protection.

There are a number of factors that can affect the Courier Van Insurance cost.
These include:

• Your experience and no claims bonus.
• Age and value of your vehicle.
• The level of cover you chose e.g. Comprehensive, Third Party etc
• Number of drivers that you wish to have on the policy.
• Age of drivers and any convictions
• If you have sign writing
• Number of drops made and radius worked within.
• Amount of excess.

Talk to our experts at BCD who understand the logistics of being a courier and will work with you to help you get a cheap Courier van insurance quote that meets your needs.

No. Goods in Transit cover protects the goods you are transporting, which could range from parcels to furniture and white goods, to expensive electronic equipment. Our cover picks these up, including the UK and Europe, with cover levels starting from £5,000. We have some exclusive products to help you.

The value and nature of your cargo will affect how much you pay on top of your standard policy.

Yes, you can use your personal van for courier work, but you will need to make sure that you have the appropriate specialist insurance for it. We also strongly recommend that you have Goods in Transit Insurance and Public Liability insurance as well. If you have anyone working for you it is a legal requirement to have Employers Liability insurance.

Call the BCD team on 0344 776 5304  for quick, same day quotes.

The BCD Claims team are on hand to help make the claims process as hassle free as possible, dealing with your claim quickly and efficiently.

Call us on 0333 241 2204

If you are involved in an incident, here are some recommended steps to follow;
• Assess whether you need to call the emergency services and move to a place of safety.
• Note the time, date and conditions (lighting, surface quality, weather etc)
• Assess the damage, inspect the vehicle (s) and take photographs of the vehicles and accident scene. Make a note of any injuries sustained.
• If you have a dash-cam, this can provide vital evidence to back up your claim.
• Be respectful and try and stay calm. Do not apologise or admit fault.
• Take the details of any third party, including their vehicle registration.
• If there are witnesses, take their details in full.
• Get roadside recovery if required.
• Contact your insurance provider as soon as possible. 0333 241 2204

We think you should also consider...

  • Goods in Transit Insurance
  • Public Liability Insurance
  • Employers Liability Insurance if you employ courier drivers or pay someone to help you
  • Breakdown Cover
  • GAP Insurance or Total Loss Prevention
  • Fleet Insurance for 3 or more vehicles

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Business Choice Direct

Meeting Your Business Insurance Needs

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