As a courier van driver, you rely on your commercial vehicle to deliver goods to your customers on time, so it’s important to have adequate insurance cover in place to help protect your business.
Courier van insurance from Gallagher is a type of commercial van insurance that provides cover for drivers that operate on a multi-drop basis (often more than four deliveries in a day). It is designed to protect the driver, your commercial vehicle and your business against unforeseen incidents in connection with your courier business.
The nature of the job means couriers tend to cover a high mileage and multiple stops per day, so an insurance policy should cover this increased risk.
There are many different ways you can operate a courier business. You may work for a company distributing their goods on a self-employed or contract basis, or you may work independently, finding your own work through your contacts or online.
Using a personally registered vehicle to carry out your work may still require courier insurance. Please note that private car, motorcycle or commercial vehicle insurance may not protect your occupation as a courier, even with Business Use Class 1 included.
If you are unsure whether courier insurance is appropriate for you, just call on 0800 062 2323 and we’ll be happy to talk you through the covers available.
Courier van insurance can be bought in a similar way to standard car insurance. Levels of cover include third party only, third-party fire and theft, and comprehensive. Comprehensive insurance can provide more protection for damage to your own vehicle, and can include things like windscreen cover.
Courier fleet insurance may be more suited to your needs if you have multiple vehicles. Insurers will start their fleet-rated policies with different numbers of vehicles so it is wise to speak to a broker like Gallagher to understand if this is an option for you.
Alongside courier van insurance, some couriers may need to consider other types of policies to provide wider levels of cover. These can include:
We can cover drivers aged 25 and over. In some circumstances, we can offer protection of your no-claims discount. We can also provide cover for haulage vehicles up to 7.5 tonnes GVW and up to six vehicles per policy. Some insurers may also provide EU covers for up to 90 days as part of the policy.
Every insurance policy will be different, and your premium will depend on the cover level you choose, and any products you add such as goods in transit insurance or breakdown cover. Other factors will also be taken into consideration, such as your age, type of vehicle, type of goods you transport, and your driving history. We can provide a tailored insurance quote based on the information you provide.
It could be worthwhile discussing your courier van insurance policy with us to ensure you are getting the appropriate cover to suit your business. At Gallagher, we have a dedicated team of insurance advisors available to take your call and chat through your requirements. Call us on 0800 062 2323.
We already insure many van drivers operating in the courier space and work with our panel of insurance partners to help our customers.
*Provided by Premium Credit Limited subject to credit check. Policy limits and exclusions may apply. Please see the policy wording for full terms and conditions.
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