Courier insurance

Courier insurance aims to protect you as a courier, as well as your van and its cargo.

Couriers often transport valuable packages for their clients, and tend to spend significantly more time on the road than your average driver. This means that they’re exposed to more risks, which standard insurance policies may not cover.

This is where courier insurance comes in. Designed specifically for the unique risks couriers are exposed to, this kind of policy could cover you if your cargo is lost, stolen or damaged in transit.

Courier van insurance is usually better suited to drivers who use their van for hire and reward – where you transport other people’s goods in exchange for money.

If you use your van for haulage, then a goods in transit policy might work out better for you.

The two policies are similar in nature, but each one is better suited to particular business uses.

If your van and cargo are essential to your business, having the right type of cover in place in the event of damage, loss or theft could make all the difference.

Courier insurance is designed to tackle the unique risks that couriers face, including:

• high daily mileage
• multiple stops during a trip
• varied value and nature of cargo

Standard van insurance policies may not give you adequate cover for this kind of driving, so a specialist courier van insurance policy might be more suitable.

Depending on the type of policy you go for, you could find cover for:

• your cargo
• damage to your van and other vehicles
• public liability
• employer's liability