What is courier van insurance?
Courier van insurance – otherwise known as ‘hire and reward insurance’ – is the type of cover you need if you deliver other people’s goods in your vehicle within a small area. This insurance protects you against the distinct risk involved with working on the go.
Courier van insurance is slightly different from haulage insurance, which tends to cover drivers over longer journeys.
Get a Courier Van Insurance Quote
Do I need courier van insurance?
If you use a van to carry goods that don’t belong to you in exchange for payment, courier insurance is a legal requirement. This offers additional business use protection to your vehicle while you’re using it to transport goods.
You might also want to consider adding goods in transit cover to your policy, which insures the goods that you’re transporting. While this type of cover isn’t a legal requirement, it helps prevent you from having to pay out of pocket in the event goods are damaged, lost or stolen.
Why choose Adrian Flux’s van insurance for courier drivers?
- Up to £100,000 in free legal cover as standard
- Cover for the UK and Europe
- Protected no claims discount available
- No claims discounts accepted
- Public liability insurance can protect up to £5 million in liability fees
- Support for self-employed couriers, including those in recent employment
- Cover for owner driver couriers and individual employed couriers
- Legal liability covers any occupants
Get a Courier Van Insurance Quote
Cover for a wide range of self-employed courier van drivers
Our affordable courier van insurance can cover a wide range of standard and niche drivers, including medical and document couriers, as well as point-to-point and multi-drop couriers. Call us for a self-employed courier van insurance quote, whatever your specialist courier niche is.
We accept proof of claims-free driving from your previous employer
If you’ve built up a no claims bonus on another vehicle or with an employer, we can transfer your no claims to your new van. This means you can still reap the rewards of having an NCB.
We can accept proof of claim-free driving from previous company employers including Business Post, Yodel, City Link, Ceva Logistics, Parcelforce, FedEx, DHL, City Sprint, TNT, UPS and UK Mail.
We also accept the transfer of your no claims from previous insurance policies, such as for a personal car or van.
Get a Courier Van Insurance Quote
Will my policy include public liability insurance?
As an extra benefit, we offer hire and reward public liability insurance for couriers, which helps protect you and your business in the event someone tries to sue you for injury, property damage or illness. This can be added to your policy for just £99, which will protect up to £5 million in liability fees.
As a courier, there are plenty of times when you might need this. Scenarios could include:
- You kick over and damage something valuable while on someone’s property delivering a parcel
- You set a parcel down on the pavement and a cyclist runs into it and sustains an injury
- You walk into a passerby while carrying a large parcel when delivering to a property
Call 0800 369 8590 or enter your details for a free courier quote.
Extra Benefits
Flex Drive
Drive Any Car Insurance
There are many reasons you might need to drive someone else’s car, either in an emergency or as part of an agreement.
While many policies include third party cover for you to drive any vehicle, this often leaves you liable for the full cost of your own damage caused in the event of an accident.
Our Flex Drive car insurance extends your cover to include accidental damage cover on the vehicle you’re driving, just like a fully comprehensive policy. It covers claims up to £20,000 on any car you use.
That extra cover will give you the confidence to drive any vehicle, with the owner’s permission, at any time.
Breakdown
Flux Rescue Breakdown Cover
Get comprehensive breakdown cover from just a year that offers 24 hour UK and EU roadside assistance and recovery, 365 days of the year.
With cover provided for breakdown and recovery, transport to your home, destination of choice, or a garage for you and five passengers, emergency accommodation expenses, home start service, and breakdown cover for your caravan or trailer too, you can get fantastic protection without breaking the bank.
Our breakdown helplines are open 24 hours a day, 365 days of the year, and we have a network of more than 1,800 breakdown experts across Europe, so you’re only ever one phone call away from help.
Goods in Transit
Goods in Transit Insurance
Goods in transit insurance is designed to cover anyone who uses their vehicle for transporting goods professionally, whether they’re documents, materials, or packages.
Whether you work as a courier, delivery driver, or in the haulage industry, having the right cover for your cargo, whatever it is, can make the world of difference, and save you money and a headache, if something bad should happen.
To find out more about how you can get insurance for transporting goods, and what’s covered, speak to our team today.
Public Liability
Public Liability Car Insurance From £19.99
Protect yourself from liability costs with our public liability car insurance, available from . Ideal in the event you or your vehicle damages someone else’s property or causes accidental bodily injury.
Public liability car insurance can protect you should you:
Display your car in a car show or exhibit: give us a call if you regularly attend and exhibit in car shows and you require legal cover.
Work as a driving instructor: we offer driving instructor insurance for ADIs and PDIs. Public liability cover can be added to your insurance with little extra fuss.
Work as a courier: you can easily add public liability cover to your self-employed courier van insurance.
Tools
Tools In Transit Insurance
For just a year, you could claim for damage, loss, or theft of tools up to £5,000 whilst they’re being driven in your van, loaded or unloaded, or stored in your van over night.
There’s no denying that the tools of your trade are vital to your business, so you need to know that if they’re lost or damaged that you can afford to replace them and get back to work as soon as possible.
With a low £100 excess for each claim, and cover for theft, loss, or damage, you can be confident that even if the worst happens, we’ll help you to get new tools and get back on the job quickly.
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
What Van? award winners
We’ve won What Van?’s prestigious insurer of the year award multiple times, including 2018, 2021, 2023 and 2024. Better yet, this award is reader voted. As a specialist insurance broker dedicated to fulfilling the needs of the individual, we think this is testament to our excellent customer service and bespoke delivery van insurance policies.
FAQs
Can I cover my tools and goods while working?
The tools you use are vital for your business, which is why we offer additional cover to protect them should the worst happen. In the event of theft, loss or damage, having tools in transit cover in place can help ensure that you’re able to replace them if you need to.
Couriers often carry expensive and important goods in their van. If something happens to your cargo, this can cause a lot of headaches and cost a lot of money for you in the future. Goods in transit cover helps protect your money and your business in the event your cargo is lost, stolen or damaged.
Can I get courier insurance as a young driver?
Just passed your driving test and keen on making your own money by becoming a courier driver? We can cover young or new courier drivers over the age of 17 – give us a call to find out more.
You may also like our guide on becoming a self-employed courier.
How much is courier insurance?
At Adrian Flux, we offer courier driver insurance that can be tailored to your needs and budget. Our payment plans are flexible – perfect for self-employed couriers. Call us for our best deals.
Find out more about how much courier insurance costs in our blog.
Can I get cover even with special circumstances?
Our highly trained team know about the types of cover a courier needs and is dedicated to getting you the best deal for your circumstances, whether you’re self-employed or you work for a courier company.
With a range of courier insurance policies to choose from, we’re able to cover couriers aged 17 and over. Our policies provide peace of mind that you and your vehicle is protected should anything go wrong.
Get a great value courier insurance van quote now – call 0800 089 0203 for a quote.