Courier van insurance

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What is courier van insurance?

Courier van insurance, sometimes known as ‘hire and reward insurance, is designed for drivers who make lots of deliveries as part of their work, typically dropping off other people’s goods for payment.

Courier van insurance covers the unique risks that come with doing multiple drop-offs in the same area.

Haulage van cover differs from courier van insurance mainly because it's intended for longer journeys, where only one or two stops will be involved.

Courier insurance policies often cover van use for light haulage work like furniture removal.

Do I need courier van insurance?

If you make deliveries to customers as part of your job, you legally have to have courier insurance in place.

This will cover you for damage you cause to other vehicles while you’re making your rounds. If you have comprehensive cover, it’ll cover you for damage to your own van too. 

It’s also a good idea for couriers to have goods in transit insurance in place. While this isn’t a legal requirement, it’ll provide you with cover for the goods you transport in your van.

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*51% of van insurance customers could save £533.47 Based on data provided by Consumer Intelligence Ltd, (March '23).
**Single annual policy. Shell Go+ account required. Only one £10 fuel reward can be used per transaction and each can only be used on fuel purchases of £10 or over. HelloFresh 18+ subscription service. Geographical exclusions apply. T&Cs apply

What level of courier van insurance should I get?

There are 3 levels of cover to choose from when buying courier van insurance:

  • Third-party only is the minimum legal requirement that you need to drive on UK roads. If you’re in an accident, you’ll be covered for damage to other people’s vehicles and any injuries sustained to others. However, you and your van will not be covered.
  • Third-party, fire and theft gives you the minimum level of cover that you get with third-party insurance. But it also means your van will be insured against damage caused by fire and theft.
  • Comprehensive gives you all you get with a TPFT policy, but also means you and your van are insured for accidents where you’re to blame.

What does courier van insurance cover?

What’s covered by your courier van insurance policy depends on the level of cover and the insurer you choose.

It can be well worth opting for a fully comprehensive policy. Along with covering damage to your van or other people’s property or vehicles due to an accident, some fully comprehensive courier van policies will include additional benefits.

For example, they may cover medical expenses, windscreen damage, loss of personal belongings and infotainment, or enable you to drive a courtesy van when yours is being repaired.

Here are some optional extras you can add on when you get a courier van insurance quote:

  • Goods in transit cover protects your cargo against loss, theft and damage. Check that the level of cover provided is high enough to meet the value of the goods you carry.
  • Public liability insurance protects your business against claims for compensation and legal costs that others may bring.
  • Employer’s liability insurance covers against a member of your staff injuring themselves through work.

How much does courier insurance cost?

The cost of delivery driver insurance will depend on lots of different things including the age and driving history of the driver and the type of work they're doing. The van will also be taking into consideration when pricing up the policy.

However, to give you a rough idea, the average cost of courier insurance policy bought through us was £653* a year.

* average purchased price - January and October 2022.

We guarantee to beat your renewal. Or give you the difference, plus £20*

*Must be a like-for-like policy. T&Cs apply.

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How can I get cheaper courier van insurance?

There are a number of ways to reduce the cost of courier van insurance without compromising on your level of cover.

Whether you choose third-party only or a fully comprehensive policy, you could still save money if you:

  • Consider a black box policy
  • Join a trade federation
  • Use a dashcam while you drive
  • Increase your voluntary excess
  • Improve your van’s security
  • Don’t auto-renew

Consider a black box. Providing you’re a careful driver, it might be worth choosing a black box courier van policy. Your insurer will then use a telematics device or app to monitor your driving and set your insurance prices. Depending on the data collected, the cost of your black box van insurance could then go down or up.

Join a trade federation as some insurers will offer discounts on courier van insurance for members of trade federations.

Use a dashcam while you drive as installing a dashcam means it should be easier to prove a claim where a third party is at fault. Some insurers will offer savings on courier van cover when you put a dashcam in.

Increase your voluntary excess to cut the cost of your courier van insurance. Although, this also means you could receive a lower payout in the event of a claim.

Improving your van's security can make it less prone to theft and help you get cheaper courier van insurance.

Don’t auto-renew! Compare quotes annually to find the cheapest courier van insurance.

Find other ways to reduce the cost of your van insurance.

Why compare courier van insurance?

There are lots of options when it comes to van insurance for couriers so it's important you compare prices.

Comparing quotes can help you find cheap courier van insurance policies. We search a range of market-leading insurers in minutes to find our best policy for you and your van, at our best price.

It’s a legal requirement that all vehicles on UK roads have valid insurance policies. This can get costly when it comes to insuring a fleet of commercial vans.

We compare courier van insurers who specialise in serving the needs of your business and can offer policies that protect against the risks you’re most exposed to.

We can also help you find great deals on small business insurance, giving you peace of mind in knowing that both your business and van are protected.

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Is hire and reward cover included in courier insurance?

Hire and reward insurance is a must if you are using your van to deliver other people’s goods in exchange for payment.

It’s usually included in courier insurance policies as standard.

Insurers design courier van insurance to meet the needs of drivers who are doing jobs like mail order and parcel delivery.

When you get a quote we’ll ask you what you use the van for.

If you need hire and reward cover included, select ‘Haulage use – delivering goods for hire and reward’.

We’ll also ask you on average how many deliveries you make each day.

What our van insurance expert says

Before you get a quote, be really clear about the cover you need, especially with things like your annual mileage. If you’re unsure about anything, check with your insurer. It might be something about how you use your van, or which extra policy features you might need. Whatever it is, they’ll be able to help you with it.

Need more help?

Can I get courier insurance for my car?

Yes. If you are using your own car to make deliveries it’s important to ensure you are insured for courier work. When applying for car insurance you always need to tell your insurer how you’ll be using the vehicle. Delivery drivers should select the courier or ‘carriage of goods for hire and reward’ option.

How many vans can I cover with courier insurance?

A standard policy will only cover one van. However, it is possible to arrange cover for multiple vans or a fleet of vans with a specialist policy.

Is my courier insurance valid for delivering abroad?

This depends on the specific wording of your policy. Even if your policy offers European cover, that might be for non-work purposes only. If this cover is important to you, it’s vital you check before you buy, or failing that, before you set off on a foreign trip.

What’s the difference between courier and haulage?

Courier insurance is designed for van drivers that are making lots of drop offs or deliveries, usually in a built up area. Haulage insurance, is for drivers making longer journeys, usually only making one, larger delivery on a pre-planned route.
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