Courier Fleet Insurance

Insurance for courier fleet operators

We provide insurance for courier fleet operators who have three delivery vehicles or more—helping to protect their vehicles, drivers and business.

If your business involves multiple vans or other vehicles delivering goods to your customers, keeping these vehicles on road and your drivers safe will be a top priority. Getting appropriate insurance should also be an important consideration for your fleet business, no matter how many courier vehicles you operate or daily deliveries you make.

What is courier fleet insurance?

Courier fleet insurance may be suitable for courier business owners with three or more vehicles. This could include any type or vehicle, from cars and vans to trucks and haulage vehicles. The cover is on a fleet-rated basis meaning that the vehicles are insured collectively rather than as individual vehicles. A fleet insurance policy can include more than vehicle insurance—it could also cover the goods you deliver.

What levels of insurance are available?

Courier fleet insurance can be bought in a similar way to most other fleet insurances, and you can choose the relevant cover just as you would with a car insurance policy. We can offer the following covers.

For fleets with three or more vehicles on the following basis:
- Third party only
- Third party, fire and theft
- Comprehensive
Protected no claims discount
Cover for vehicles up to 7.5 tonnes GVW including HGVs (in courier/haulage product)
Goods in transit insurance
Uninsured loss recovery
Optional breakdown covers
Motor legal protection

We may also consider younger drivers (aged 25 or under) and those with motoring convictions, accidents or with claims history.

Not all insurance providers will consider fleet-rated policies starting with three vehicles—some may start their fleet offering at five vehicles. It is worth discussing with your broker which insurance company may be appropriate for you and your business. If you have fewer than five vehicles, you may wish to consider single courier van insurance.

What else do I need to consider?

Alongside courier fleet insurance, some business owners may need to consider other types of policies to provide wider levels of cover. These can include cover for any business premises, public liability, and if you employ staff, you may need employers’ liability insurance.

You may also want to think about how frequently you will be changing your courier vehicles. Adding and removing vehicles from a fleet needs to be made as simple as possible to help keep your vehicles on the road.

Our friendly fleet team can help you with the quotation process. We will discuss your current business activities to establish the appropriate levels of insurance and use our experience to gain quotations from our fleet insurance partners.

What does courier insurance cost?

As each policy is different from the next, it is very difficult to give an indication of what your premium might be. Each fleet insurance quote is compiled for your unique business requirements.

There will be a number of factors taken into consideration including:

The number of vehicles you operate
The type of vehicles you own or lease
The nature of your business
Your trading history
Drivers’ background, age and experience
Where you operate from

Why choose courier fleet insurance from Gallagher?

We will work with our panel of insurance providers to find you suitable cover for your fleet. In most cases, we will be able to give you a quote and arrange your cover over the phone. However, for larger risks, we can arrange a visit to your premises at a time that is convenient for you. Choosing a suitable fleet insurance broker to look after your business is important.

At Gallagher, we have a dedicated team of fleet insurance account executives available to discuss your specific requirements. Please contact us on 0800 062 2324.