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Courier van insurance

Courier van insurance

If you work as a courier, we can help you find great-value van insurance that meets your needs. Let’s take a look.

Daniel Hutson
From the Motor team
4
minute read
posted 3 OCTOBER 2019

What is courier van insurance?

Courier van insurance is a specialist type of cover that’s needed if you make regular deliveries to customers in a particular area. It differs from hauliers’ insurance, which provides insurance for drivers of larger goods vehicles who make deliveries over longer journeys – typically involving just for one or two drop-offs.  

How does courier van insurance work?

Courier van insurance policies vary, but many will cover the cost of the goods you’re transporting should they get stolen, lost or damaged while you’re making deliveries. Some policies could cover the cost of any goods locked in your van overnight. A comprehensive courier policy might also offer a courtesy van that you can use to get back on the road if your vehicle’s out of action.  

When comparing van insurance for your courier van, look out for goods in transit cover that’s high enough to meet the value of the goods you’re carrying. There may be a maximum cover value for an individual item, as well as an overall cover limit for each cargo load.

Be aware that goods in transit insurance won’t usually offer cover for any items that were damaged as a result of the items not being packaged properly. Make sure you look into your policy’s wording carefully before you buy, in case there are any other exclusions or restrictions.  

What level of insurance might I need for my courier van?

Courier van insurance is typically made up of multiple policies. A standard van insurance policy offers cover for the vehicle alone, while courier insurance – which can be bought separately, or added on to regular van cover – typically includes goods in transit cover too.

If you’re a business owner or you rely on your van for work, you might also want to consider taking out liability cover for your company.

  • Public liability insurance  This can protect you against claims from members of the public who’ve been injured due to your business activities.
  • Employers’ liability insurance  This could cover you for any claims of negligence made against you by employees. This is a legal requirement if you have any employees who are not members of your family.

Why should I buy through Compare the Market?

Our comparison services makes it easy to find van insurance from a wide range of providers. What’s more, it can take less than 4** minutes to find great-value quotes.  

Just let us know what you need and we’ll compare van insurance deals that ensure you get the right level of cover.

**On average it can take under 4 minutes to complete a van insurance quote through Compare the Market based on data in September 2019.

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