Delivery Driver Insurance

At Prosura, we understand the unique risks that delivery drivers face on the road. From accidents to theft, there are a variety of potential hazards that can impact your livelihood.

A standard motor policy won’t protect you where you are carrying goods for Hire and Reward. But the last thing you want to be doing is spending time researching what cover you do need. And that’s where we come in. At Prosura, we’re all about giving friction free access to policies from a range of leading insurers – and our advisors are happy to explain what might be most appropriate.

Delivery Driver Insurance Explained

Specialist Delivery Driver insurance is designed to mitigate the risks that you face when moving parcels and packages for reward. Typically you will have multiple drop off points across your working day (or night).

There are three things to think about when it comes to delivery driver insurance:

• Insuring the vehicle itself with a commercial motor policy
• Insuring the driver / delivery business against liabilities
• Insuring the goods that you are transporting – be they your own or a third parties

Insuring the delivery vehicle

As with standard motor insurance, you can choose from three levels of cover:

• Third party only (TPO) – This covers any damage you cause to other people and their property. It doesn’t cover repairs to your own vehicle. This is the minimum cover needed (by law).

• Third party fire and theft (TPFT) – The same as TPO, but with cover for your work car or 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 car or van if you’re involved in a collision that’s your fault.

Public Liability Insurance for Delivery Drivers

We would recommend taking out Public Liability cover as a Delivery Driver – although it’s not actually a legal requirement. It protects you / your business should you cause injury to someone, or caused damage to their property as a result of your work activity. It could be as simple dropping a parcel and damaging a car parked next to you.

Delivery Driver Goods in Transit Insurance

Because you’re transporting other peoples’ goods, you’ll nee Goods in Transit insurance. This covers items that you are carrying should they be lost, stolen or damaged while in your possession.

Why choose Prosura to get your Delivery Driver 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 delivery driver insurance is built on years of experience and in-depth industry knowledge, delivered to you in a simple, jargon-free way.
Plus, our PROSURA Digital Lawyer gives you free access to a 24/7 Digital Law Service, to create tailored legal documents such as Tenancy Agreements, and Leases, that could save you hundreds of pounds each year.

To get your bespoke delivery driver insurance in place, contact the team at Prosura today.