COURIER INSURANCE: Definition, Cost, Cover & All You Need to Know

courier insurance
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The courier industry continues to expand, creating opportunities for both individuals and businesses in this burgeoning industry. Consumer demand for online shopping has never been higher, necessitating the use of couriers. This is fantastic news for those who profit from the industry. However, both courier companies and self-employed couriers must guarantee that their insurance coverage covers them completely. Otherwise, they are unprotected from the dangers of courier jobs. Most drivers are aware that they need insurance, but the distinction between courier van car insurance in the UK and commodities in food transit insurance is still a source of misunderstanding. To be clear, we’ve covered all you’ll need to know.

What is courier insurance UK?

Courier insurance in the UK shields you against the dangers of picking up things and performing several deliveries for hire and reward. The term ‘courier insurance’ is frequently used to describe coverage for your car while transporting products. However, you need coverage for more than just your car while on the road: you also need coverage for your liabilities and the things you transport.

If you drive a van to transport other people’s goods or materials for a fee, you’ll require courier car insurance.


Courier services have risen to become a key influence in the Australian economy over the last thirty years. The owner-driver bears a number of risks and liabilities as a result of the popular business model of self-employed contracting.

As a courier driver, you are exposed to a variety of risks that other industries do not have to consider. Because you will definitely spend a significant percentage of your time on the road, your chance of being involved in a traffic accident is significantly higher than the national average. When you factor in the requirement to preserve your income in the event of a temporary disability. As well as the issue of carrier liability, the case for utilising a seasoned courier insurance UK broker to protect you. Your vehicle and your business become crystal clear.

When your livelihood depends on being mobile, you can’t afford to be without proper insurance.

What does courier insurance UK cover?

There are three main types of insurance for couriers:

  • Courier van insurance protects your vehicle on a third party, third party fire and theft, or comprehensive basis. It is crucial to get a courier van insurance policy if this is your line of work; a standard van policy or commercial van policy will not cover you for the carriage of goods for hire or reward.
  • Liability insurance comprises cover for public liability (injury to people or their property in the course of your work) and employers’ liability (injury to employees or their property while they work for you)
  • Goods in Transit Coverage protects the goods you pick up and drop off while working as a courier.

How much does courier insurance UK Cost?

A courier van’s coverage normally costs £86.33 per month (including insurance premium tax). However, costs vary depending on the type of courier vehicle, the driver’s age/history, the distances travelled, and the region.

What does goods in transit cover?

Unlike courier insurance, van insurance, covers the driver and the vehicle. Goods in transit insurance protects the cargo on board (goods and products).

Furthermore, goods in transit insurance sometimes includes £10 million in public liability insurance and £5 million in employer liability insurance. Providing valuable protection against the hazards you and your staff face when transporting items.

Parcels, packages, newspapers, and letters are common commodities by the goods in transit policy for couriers.

Coverage is for up to £50,000 per load, with each listed item protected for up to £1,000. The personal effects of the driver are also up to £200.

How much does goods in transit insurance cost?

The cost of goods-in-transit insurance varies depending on the number of products you transport and the radius in which you operate. The cost of insurance is typically around £200 per year (including insurance premium tax and public and employer’s liability coverage).

What is goods in transit insurance?

The things you transport as a courier are protected against damage or destruction, loss, theft, delayed delivery, and consequential losses for products not delivered correctly with goods in transit insurance.

Do I need courier insurance?

Normal commercial use isn’t appropriate for you if you use your van to pick up and/or deliver things that aren’t your own (whether to one destination or several destinations).

It will give you the necessary protection to transport other people’s goods and commodities from one location to another. This is what you’ll need if you work in jobs like parcel delivery, light haulage, mail order delivery, and so on.

Food courier insurance

Are you a delivery driver for fast food? Do you do full-time or part-time deliveries of takeout food, pizzas, kebabs, Chinese meals, Indian curries, or even gourmet restaurant food? Many drivers are unaware that in order to comply with the law, whether you deliver by car, van, motorcycle, or scooter, you must have the appropriate food courier insurance. Most car insurance plans are void when this type of work is finish. But don’t worry; by comparing quotes from a variety of specialized courier insurers. They can assist you in finding the right coverage at the right price with the appropriate features!

Why do I need fast food courier insurance?

Whether you’re self-employed, delivering food you’ve cooked, or working for a huge food delivery firm like Deliveroo, Just Eat, or Uber, an average car insurance policy won’t cover you for food deliveries if you do them for a living or as part of your profession, even if you do it part-time. If you don’t have the proper FOOD COURIER insurance and have an accident. You may be to pay for all of the damages alone, which might be a financial nightmare. If someone was hurt in the collision, you could be facing a lot of money in compensation claims.

You’d also be breaching the law since you’d be driving without insurance, and the penalties for doing so are severe. Fines can reach hundreds of pounds, penalty points can jeopardize your driving privileges, and future auto insurance premiums will increase. It’s not worth taking the chance.

Many delivery drivers are uniform of the law, which the police are well aware of. They’re easy to notice, and they’re frequently and occasionally barred from driving for breaking the ‘filling up’ law.

Do I still need food courier (delivery) insurance if I only do it part time?

Insurance firms frequently inquire if their customers have a second job. Not telling them about one, even if it’s only for a few hours a week. Can be used as a pretext not to pay out on a claim, and it can even lead to criminal charges.

Why can’t my own car insurance company cover me for delivering food?

The majority of insurance providers will not cover fast food delivery drivers. You may be a cautious and considerate driver. But it is critical that food is quickly so that it remains hot and fresh. Therefore some drivers may feel compelled to travel faster than usual. Furthermore, the more deliveries are, the bigger the earnings. Which is another strong incentive to take more risks on the road. The possibility of excessive claims that this raises is uninteresting to mainstream insurers.

Fortunately, a few specialized insurance companies are willing to provide courier insurance at a reasonable price.

Business car insurance for hot food delivery

For Deliveroo, Just Eat, Uber Eats, and Stuart deliveries, you can ensure your own vehicle. But you’ll need fast food delivery insurance while you’re working. If you transport food from restaurants or takeaways, standard auto insurance coverage won’t cover you.

Food delivery insurance is a type of commercial auto insurance that is to the needs of the food delivery sector. Depending on the insurance firm, these plans may have different names. When driving your automobile to make a delivery, look for any form of hire or reward car insurance coverage or courier car insurance policy that will protect you.

Take-away delivery insurance comes in a variety of shapes and sizes, but with just a few parameters, you can search through a number of options and get estimates for your specific needs.

Find great fast food insurance policy deals

Although take-away driving insurance might be expensive, it’s critical to have the correct policy in place so that you’re fully in an accident, even if it wasn’t your fault. It’s usually an easy option when you compare the cost of the correct policy to the risk of losing your vehicle or employment.

However, this does not rule out the possibility of finding a good price. Utility Saving Expert allows you to compare market-leading fast food delivery insurance quotes from professional insurers. You’ll be able to choose from the most competitive costs and the insurance coverage that’s right for you if you search around.

Why takeaway courier car insurance policies may cost more

Fast food delivery insurance may be more expensive than personal car insurance. The conditions of fast food delivery services offer a risk from the standpoint of an insurer.

The average delivery time is 30 minutes, and late deliveries are currently the most common source of client dissatisfaction. This increases the chance of drivers traveling fast or under stress in order to deliver food to customers promptly before it gets cold.

You’ll also be spending more time on the road than the average driver, adding to the stress. You confront increased risks on the roadways if you ride a motorcycle, scooter, or bicycle. To protect yourself in the unusual case of an accident, shop around for the correct level of auto insurance from a reputable company that covers your vehicle and line of work.


If your business involves transporting other people’s goods for hire and reward then it’s a necessity that you’re covered by courier insurance. It’s a legal requirement that all information you provide to your insurer or broker is correct, this will ensure an accurate courier insurance quote.

What happens if you don't have courier insurance?

Without the right insurance, you could face an IN10 if stopped by the police, or any claim you make whilst driving as a fast-food delivery driver could be voided. … Most standard car insurance policies do not cover you for hire and reward or fast food delivery.

Can you do deliveries without insurance?

For most takeaways, it’s essential that their delivery drivers have their own vehicle to use. If it becomes known to the authorities that you are operating without the correct type of insurance for delivering hot food, you will be penalized for driving without valid insurance.

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For most takeaways, it's essential that their delivery drivers have their own vehicle to use. If it becomes known to the authorities that you are operating without the correct type of insurance for delivering hot food, you will be penalized for driving without valid insurance.

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