Whether you’re delivering online shopping orders, business goods or takeaway food, you need the right insurance in place.
If you use your van to deliver goods for payment, standard van insurance may not provide the cover you need.
In this guide, we’ll explain what courier van insurance is, what it can cover and what to consider when choosing a policy.
What Is Courier Van Insurance?
Courier van insurance provides specialist vehicle cover for drivers who use their van to collect and deliver goods in return for payment.
If you spend your working day travelling between depots, businesses and customers’ homes, you may need this type of cover.
Courier work can include delivering:
- Parcels and packages
- Online shopping orders
- Business deliveries
- Documents and other goods
- Fast food and takeaway orders
You may also need courier insurance if you’re self-employed and work with delivery platforms or parcel networks. This is particularly important when you’re responsible for arranging cover for your own van.
At CoverMy, we offer Courier Van Insurance around the needs of working delivery drivers. It can help protect both your van and the goods you carry
Do I Need Courier Insurance If I Use My Own Van?
Yes. Even if you own your van, a standard van insurance policy may not automatically cover you for courier work.
If you make multiple deliveries for payment, your insurer needs to know that you use your van for courier purposes. Private or standard business van insurance may not cover you while transporting other people’s goods.
This applies whether courier work is your full-time job or something you do as a self-employed driver. It also applies if you work through a larger delivery company or platform.
For example, if you use your own van to deliver for a company such as Evri, check what insurance they provide. You should also check what cover you need to arrange yourself. Different delivery companies have different requirements, so make sure you understand what you need before you start delivering.
What Does CoverMy Courier Van Insurance Cover?
When you rely on your van to earn a living, you need insurance that protects both your vehicle and the work you carry out in it.
CoverMy Courier Van Insurance can include:
- Comprehensive vehicle cover – covering repair or replacement if your van is damaged, stolen or involved in an accident.
- Goods in Transit cover up to £10,000 – helping protect the parcels and goods you’re carrying against loss, damage or theft, with the option to increase cover up to £50,000.
- Fast food delivery included as standard – so if you deliver parcels as well as takeaway or restaurant orders, this use is already included within your courier cover.
- Cover for vans up to 18 years old – giving drivers with older working vans more options when looking for suitable courier insurance.
This gives you cover designed around the different risks you face as a working courier, rather than simply insuring the van itself.
Why Is Goods in Transit Cover Important for Couriers?
During a typical working day, you could have hundreds or even thousands of pounds worth of other people’s parcels in your van.
Standard vehicle insurance is designed to protect your vehicle, but it doesn’t necessarily protect the goods you’re carrying.
That’s why Goods in Transit cover is particularly important for parcel delivery drivers. It can help protect the goods you’ve been trusted to deliver if they’re lost, damaged or stolen while in transit.
With CoverMy, up to £10,000 Goods in Transit cover is included, with the option to increase this to as much as £50,000 if you need additional protection.
Can I Add Public Liability Insurance?
Yes. You can add Public Liability Insurance to your CoverMy Courier Van Insurance as an additional Bolt-On.
As a courier, you regularly visit customers’ homes and businesses. You’ll also interact with members of the public throughout your working day.
Public Liability Insurance can protect you if your business activities cause injury to someone or damage to their property and they make a claim against you.
For example, you could accidentally damage something at a customer’s property while making a delivery. Public Liability cover could help protect you against the resulting claim.
It gives you another layer of protection alongside your vehicle and Goods in Transit cover.
Can I Insure More Than One Courier Van?
Yes.
If you have more than one van, CoverMy Courier Insurance can cover up to five vehicles. This can be useful if you run a small courier business or have other drivers working with you.
If your business grows beyond five vehicles, Courier Fleet Insurance may be a more suitable option.
Fleet insurance allows you to cover multiple courier vehicles under one policy, making your insurance easier to manage as your delivery business grows.
If you’re starting to take on more vans or drivers, speak to our team and we can help you understand which option may be right for you.
What Information Will I Need for a Courier Van Insurance Quote?
When you’re looking for a courier van insurance quote, it helps to have some basic information ready.
You may be asked about:
- Your van
- Your driving history
- How you use the vehicle
- The type of goods you deliver
- Where your van is kept
- Your expected mileage
- Your previous insurance and claims history
- Whether you need any additional cover
If you’re unsure about what you need, don’t worry. A specialist courier insurance broker can talk you through the available options and help make sure your policy reflects the work you do.
The more accurate information you provide, the easier it is to find suitable cover for your van and your delivery work.
Get Covered with CoverMy Today
At CoverMy, we understand that every courier driver’s work can be different. You may deliver parcels, transport business goods, carry out food deliveries or do a combination of all three.
Our friendly, experienced team can talk through your courier work, the van you drive and the deliveries you make. We’ll answer your questions and help you find the right cover without making the process complicated.
Learn more: Visit our Courier Van Insurance product page to explore the cover available.
Get a quote: Request a tailored courier van insurance quote online today.
Need some help? Call our friendly team on 0345 040 1942 and we’ll talk through your courier insurance requirements.
Prefer to message? Send us a message through our website or get in touch via our online contact form.
We’re always happy to answer your questions, explain your options and help you get the right courier cover in place.
