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.

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

Rob Warren
From the Motor team
minute read
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Posted 3 FEBRUARY 2021

What is courier van insurance?

Courier van insurance is a specialist type of cover, usually put together as a package, 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 can vary between providers, so it can be difficult to find one that covers everything in one policy. Instead, it’s probably best to think of courier van insurance as a package of options, with the base being a van insurance policy, which is then extended with a series of add-ons.

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.

Goods in transit

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. This won’t normally be a standard inclusion for van insurance, so you’ll usually need to arrange this as an add-on separately. 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.

Do I need courier van insurance?

If you operate or work as part of a courier service, then you need to take out courier van insurance. This can cover your van for business use, insuring it against damages (or damages to another vehicle) while transporting goods. If your van isn’t insured with the right cover, your insurance won’t be valid for courier related incidents.

Goods in transit cover, while not legally required, is highly recommended as an add-on, as this will insure the goods that you’re transporting. If you don’t have this cover, and your van is involved in an accident which leads to the goods being damaged, you’d likely be forced to pay the damages yourself.

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, which includes the type of cover options you’d typically receive for a car:

  • Third party - this is the minimum level of cover that’s legally required. It covers you if you cause damage to other vehicles and/or drivers and passengers. Third party insurance won’t cover damage to your own van or personal medical expenses following an accident, or if your van is stolen.
  • Third party, fire and theft – includes the same protection as third party, along with added cover for fire damage and theft.
  • Comprehensive - includes all of the above, but also covers damages to your van, as well as personal medical expenses.

Courier insurance, which can be bought separately or added on to regular van cover, can include one of the above types of cover, along with goods in transit cover too.

Will my policy include public liability insurance?

A courier van insurance policy is one that you built up as a tailored package. If you’re using your van for work as a courier, you’ll need to consider getting covered with public liability insurance, as if you were to cause damage or injure someone while driving your van, you could face compensation claims being made against you. Public liability insurance can protect you against those costs.

Will my policy include employers’ liability insurance?

  • Again, if you’re using your van as part of a courier service that you manage, you’ll need to consider additional types of cover. If you employ any members of staff, employers’ liability insurance 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.

What is the difference between courier and haulage?

The main difference between courier and haulage is the type of deliveries you make. Couriers tend to transfer large amounts of smaller goods, such as standard parcels, making many deliveries each day. Meanwhile, haulage work consists of larger goods, such as heavy machinery, which means that drivers may only make a small number of deliveries in a single day.

When looking for courier van quotes, you should select the haulage option from our selection. This will search for policies that will insure vans while delivering goods. However, for the various add-ons, such as goods in transit cover, you’ll then need to follow up with your new provider to arrange this.

Can I get courier insurance for my car?

Yes, there are several courier insurance providers who will offer you cover for your car being used as a courier service. If you’re planning on using your personal car, it’s important that you disclose this, as you’ll be using the car for both business and personal use, which will affect your premiums and cover type.

Why should I buy courier van insurance through Compare the Market?

Our van insurance comparison service is a great place to start for courier cover. Simply enter your details and select haulage when asked what the van will be used for. Once you’ve found a quote from a provider, you’ll then be able to add courier features, such as goods in transit cover, to your policy as an add-on or arrange a separate form of cover with them directly.

Our comparison services makes it easy to find van insurance from a wide range of providers. What’s more, it can take less than 6** 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 less than 6 minutes to complete a van insurance quote through Compare the Market based on data in November 2020.

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