Courier Insurance

Courier Insurance with Prosura

We’ll get straight to the point, at Prosura we love insuring Couriers. Whether you need a single van, or a huge fleet, of courier vans we have a panel of insurers ready to quote for your needs.

As a courier, you face a number of different liabilities that you must be protected against.

Your line of work involves being out on the road all day, coming into contact with a variety of different people, making multiple drops to many different locations, in order to safely make all your deliveries.

At Prosura, we understand how busy you are, but also the importance of fully protecting your business activities so you can operate in complete confidence. We’re here to provide a responsive, friction free insurance purchase and support experience – leaving you to get on with the day job.

Whether you’re looking for van insurance for parcel delivery, light haulage van insurance, transit van insurance, or courier fleet insurance, our specialist team will secure the very best cover for your needs from a range of top-quality courier van insurance companies. Prosura – because you have better things to do!

Courier Insurance explained

Courier Insurance is a type of commercial vehicle insurance. It covers drivers of vehicles, who move parcels and packages in return for payment. Hence courier insurance companies tend to refer to this a “hire & reward” cover.

It’s for people whose job involves driving a work van to make multiple deliveries to various different locations, usually in a fairly local radius. Deliveries typically include everyday items such as takeaway food and parcels.

It’ll cover the loss, or damage of your courier van due to theft, fire, or vandalism; legal fees, personal accidents, and medical expenses in the event of a motoring incident. It provides cover should your business activity cause damage or loss to a third-party. It could also protect the goods that you transport, depending on the cover you select.

It’s important to obtain the right type of insurance for your work as a courier. Firstly, to make sure you stay on the right side of the law, but also, to make sure that you’re properly protected should you need to make a claim.

What level of Courier Insurance do you need?

Courier insurance always starts with one core cover: motor insurance. There are three levels of cover to choose from.
• Third party only (TPO) – This covers any damage you cause to other people and their property. It doesn’t cover repairs to your own van. This is the minimum cover needed (by law).
• Third party fire and theft (TPFT) – The same as TPO, but with cover for your work van if it’s stolen or damaged by fire.
• Comprehensive – This includes the cover you’d receive with TPFT, with added protection for your own van if you’re involved in a collision that’s your fault.

What does Courier Insurance for Vans cover?

Exactly what your courier insurance covers will depend on the level you choose and what optional extras you add.

As standard, it’ll typically cover the loss, or damage of your van due to theft, fire, or vandalism; legal fees, personal accidents, and medical expenses in the event of a motoring incident.
We recommend that delivery van insurance includes public liability insurance to protect you and your business should you injure someone or cause damage to their property during the course of your work. For example, a member of the public trips over boxes you’ve unloaded from your van onto the pavement and breaks their wrist.

And because you’re transporting other peoples’ goods, you’ll need goods in transit insurance cover too. This covers the items you’re transporting should they be lost, stolen, or damaged while in your possession. Without it, you would be personally liable for covering the cost of replacement.

Our friendly team will guide you through the cover included within your delivery van insurance policy, giving you complete confidence that you’re fully protected as you go about your business.

What else should you consider with Courier Insurance for Vans?

There maybe one or two extras you’d like to add to your insurance for your self-employed courier van, to ensure it’s tailored to your exact requirements.

Quite sensibly, you may wish to add courier van breakdown cover to your policy, to help minimise the disruption to your business activity should your van need assistance.

Perhaps you have more than one courier van and would like us to quote for courier fleet insurance. If so, employers’ liability insurance may also need to be added. This is a legal requirement if you employ anyone else as part of your business operation – even on a temporary or casual basis.

Maybe you want the reassurance of knowing you’ll have a courtesy vehicle if your delivery van is off the road, windscreen cover, or legal protection should you ever need it.

Whatever your requirements, our specialist brokers will equip your van with courier insurance that’ll give you complete peace of mind.

Why choose Prosura to get your Courier Insurance quotes?

Prosura prides itself on being an independent insurance broker, with access to a broad range of insurers to curate a tailored product that’ll exceed your expectations.

Our high-quality van insurance for delivery drivers is built on years of experience and in-depth industry knowledge, delivered to you in a simple, jargon-free way.

We also give all our Motor Trader Insurance Clients free access to PROSURA Digital Lawyer, saving them hundreds of pounds a year on Legal Fees.

To get your bespoke commercial courier van insurance in place, contact the team at Prosura today.

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