Courier Car Insurance

Courier Insurance for Cars

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Compare Courier Insurance for Cars in the UK

When do I need courier insurance?

You need courier car insurance as soon as you start using your vehicle to deliver goods for payment. This applies whether you’re doing it full-time, part-time, or as a side job. If you’re using your own vehicle for deliveries, your regular motor insurance may not protect you if an accident or damage occurs while on a delivery. Courier insurance will ensure you’re covered from the get-go when you start delivering.

How does courier insurance work?

What is covered by courier car insurance?

Courier insurance, also known as hire and reward insurance, covers you for picking up and delivering items such as newspapers, packages, products, and food. There are three main levels of cover:

Third-party only (TPO): This is the minimum cover required by law on UK roads. It covers damage to another person’s vehicle or property but doesn’t cover your own vehicle.
Third-party, fire and theft (TPFT): This provides the same cover as TPO, but also protects you against fire, theft, or attempted theft.
Comprehensive: This offers the highest level of protection, covering everything in TPFT plus accidental damage to your own vehicle.

What is not covered by courier car insurance?

Exclusions vary across different insurers, so always check the policy details. However, some courier car insurance providers won’t cover:

Furniture when moving house
Animals and livestock
Hazardous goods
Human remains
Fragile goods

How much is courier car insurance?

We know that price plays a big role when picking courier car insurance. Your policy cost can change a lot based on several things.

What you pay will depend on many things such as:

1. Your age and driving history

2. The vehicle you use for deliveries

3. Your previous claims and crashes

4. Your no-claims bonus (NCB)

5. Where you park your car when you’re not using it

6. The sort and worth of goods you’re moving (for example parcel delivery)

As a rule, more expensive and powerful cars have higher insurance costs. In the same way, a record of claims or points on your license can push up the price. Younger drivers often pay more, and not having an NCB means you’ll have to pay the full price.

Keep in mind, that while cost matters, you need to make sure you have enough coverage for what you need. For long-term deliveries, you might need additional protection.

How can I find cheap courier car insurance?

We get that finding affordable courier car insurance is key for your business. To help you save money, here are some effective ways to do it.

Consider increasing your policy excess – If you agree to pay a higher voluntary excess, you might be able to reduce your premium. Just make sure you can afford the excess amount if you need to make a claim.

Invest in your vehicle’s security – Insurance companies often give cheaper rates for vehicles with good security features, as they see them as less risky. Installing telematics or a black box can also help, as it allows insurers to monitor your driving behaviour and potentially offer lower rates for safe driving.

Bundle policies – If you own more than one vehicle, fleet insurance might save you money. It can lower the cost for each vehicle and make paperwork easier. For people who work alone, adding a named driver to your policy might help to reduce the cost.

How do I get courier car insurance?

Steps to get a courier car insurance quote

Prepare your information: Gather details about your vehicle, driving history, and courier work.
Compare quotes: Look at coverage, premiums, excess, and terms of each policy.
Speak to providers: When you compare with Quotezone, our panel of experienced courier insurers will reach out to answer your questions, and explain exactly how they meet your needs.

Documents needed for courier car insurance

To get a quote, you’ll need to provide:

Vehicle details or registration number
What goods you transport
Where you work (UK, Ireland, Europe, Worldwide)
Your driving and no claims history
The level of coverage you want
Some personal details

Compare courier car insurance quotes

When comparing quotes, consider:

Coverage offered
Cost of premiums
Excess amounts
Exclusions
Terms and conditions

Keep in mind, that the least expensive policy may not be the most suitable. We suggest making sure you have enough coverage to meet your particular requirements.