Strictly speaking, no. As a courier, you require a number of specific insurances to do your job properly. These can be arranged under one umbrella ‘Courier Insurance’ policy or purchased separately.
Combining all your insurances as part of one Courier Insurance plan can be beneficial in that everything you need is covered under one simplified policy, which cuts down on paperwork and also means that you only have one annual renewal date to deal with. It can also be more cost-effective.
The different types of courier insurance
A Courier Insurance policy can essentially include whatever you want it to, but will typically consist of the following core components:
Courier van insurance with goods in transit cover
Goods in Transit Insurance provides cover for those who carry other people’s goods. Courier van insurance with goods in transit cover typically protects items from theft, loss or damage while they are being transported by a vehicle from one place to another.
Employers’ Liability Insurance for couriers
Employers’ Liability Insurance is compulsory for anyone who employs staff and provides legal protection if any of your employees are injured during his or her work. If you have other people who work with you, you’ll likely need this type of courier insurance.
Public Liability Insurance
Public Liability Insurance protects in case a member of the public suffers an injury, financial loss or damage to their property as a result of your business activities.
Hire and reward van insurance for couriers
Hire and Reward Insurance is a class of insurance which allows drivers to legally transport other people’s goods in exchange for a fee. Cover for hire and reward will help procure protection if you’ve been paid to carry goods from one place to another.
Compare courier insurance with Insurance Revolution
If you need courier insurance or require further information, visit our courier insurance page. You can compare courier insurance by speaking to one of our courier team members. All you need to do is complete our online courier insurance form or call 0330 808 1119.
