Do I need courier insurance if I only deliver occasionally?

Yes — if you use your vehicle to carry goods for hire or reward, even occasionally, cover may be appropriate that includes hire or reward use. Standard motor insurance policies exclude this type of use, and you could be uninsured in the event of an accident.

Does courier insurance cover the goods I am carrying?

Motor insurance covers your vehicle but not the goods you are carrying. To protect the goods in transit, you need a separate goods in transit policy. Many courier contracts require you to hold goods in transit cover, so it is worth checking your contract before arranging insurance.

Can I get courier insurance if I have points on my licence?

Yes — specialist courier insurers can often provide cover for drivers with points on their licence, though the premium may be higher. You should disclose all convictions and penalty points when applying for insurance, as failure to do so could invalidate your policy.

Is there a difference between courier insurance and delivery driver insurance?

The terms are often used interchangeably. Both refer to motor insurance that covers the use of a vehicle for hire or reward. The specific terms and cover available will depend on the type of vehicle, the nature of the work, and the insurer.

How does fleet insurance work for courier businesses?

Fleet insurance covers multiple vehicles under a single policy. It is available for businesses operating two or more vehicles and can cover a mix of vehicle types. Fleet policies can be arranged on a named driver or any driver basis. A specialist broker can advise on the most appropriate fleet arrangement for your business.

Courier Insurance: A Complete UK Guide

Courier insurance covers delivery drivers and parcel carriers operating under hire and reward. This guide explains the cover types available, including goods in transit and fleet policies.