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Happy Returning Customers

At UKLI COMPARE, we've thousands of happy customers returning to find great deals - since 2011.

100% Free Comparison Service

Using the services here on our website is always free to the consumer 100%.

You Could Save Time and Money

Get your quotes by filling in one simple form, compare prices, and start saving.

How Does courier insurance Work?

Becoming a courier has developed from a niche industry into a hugely popular career choice over the past decade, thanks to the Internet and the rise of e-commerce.

Learn about the important things you need to take into account, below.

People are buying goods and sending packages all over the world 24 hours a day, 365 days of the year and the volume is only increasing. That's why you need a policy to grow with you.

These packages need to be delivered and it's now easier than ever to become a courier as the sheer volume of work available has opened the doors to jobs at every level, from traditional full and part time jobs to gig jobs where you get paid by the parcel delivered.

Whether you're looking for a permanent job or a few hours on the weekend, you'll need to consider courier insurance and if it's right for you.

Virtually anyone with a valid driving licence can become a courier, as you can even use your own vehicle to deliver packages. No matter your position, it's important that you are properly covered by your insurance, which may differ depending on your situation.

Read on to find out all about courier insurance.

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What types of insurance are available?

There is not just one type of insurance for couriers - there are several options which cover slightly different things, and whether you will need it or not will depend on your specific scenario.

Whether you are using your own car, you've hired a van or your small company has its own fleet, you will need insurance.

Read on to learn about the different types of insurance and what they typically cover.

Courier insurance with goods in transit

Courier insurance with goods in transit is strongly recommended for couriers, as it protects you for the value of the goods you are transporting.

Be careful to read the policy carefully to find out exactly what is covered, as some basic policies will only cover the most commonly transported items, such as parcels and small packages.

If you're working freelance, then you will have to inquire about the type of goods you'll be expected to deliver to see if you're covered by your policy.

Typically items with very high value or very fragile items, like artwork or antiques, may require separate, specific insurance coverage.

Having this will cover you in the event that any of the packages in your care gets damaged or goes missing before they are delivered.

Unfortunately, the rise in popularity of self-employed couriers has also led to a rise in thieves stealing parcels from vehicles, so make sure your insurance covers for this too.

You don't want to be left holding the ball when your packages go missing and you have to deal with both an angry delivery company and angry customers!

Courier vehicle insurance

Courier vehicle insurance covers your vehicle and comes with either third party or fully comprehensive options. This is largely the same as regular vehicle insurance, but is specific to vehicles which will be used for the purpose of being a courier.

Most regular vehicle insurance policies will not cover accidents that occur during the course of using your vehicle for business purposes, such as deliveries.

This means that it's important you get proper insurance for your vehicle, as a lot of freelance couriers skip this step thinking it isn't necessary.

They then get into an accident and find out the hard way that they are not covered for the costs of the accident, which can easily wipe out whatever profits were made from delivering packages.

Remember: as a courier, you are tracked every step of the way on the course of your deliveries. The insurance company can easily find out about all this, so it's not worth trying to hide it.

How much does insurance cost?

There are many factors that influence the cost of an insurance quote. Whether you're looking for courier delivery insurance specifically or fully comprehensive coverage, your prices will change.

Whether you're insuring a van, a fleet or vehicles or your own personal car, costs will differ.

It's worth looking at a courier insurance comparison tool to help nail down your exact needs, but thanks to the rising popularity of the industry, insurance is cheaper than ever.

You can choose between year-long policies or even short term weekly/monthly policies.

Where can I find the cheapest insurance policies?

This one will likewise depend on your circumstances, so the best place to check for the cheapest insurance for you is courier insurance comparison tools.

It's worth noting that if you own your own fleet of vans, you can get multi-van insurance, which will often work out cheaper than insuring your vehicles separately.

If you use your own vehicle, make sure it's appropriately covered for business use making deliveries.

There are 3 main areas to consider coverage as a courier: damage/loss to packages, damage to your vehicle and damage to third parties.

Whatever policy you choose, make sure it has appropriate cover for all 3 areas that is suitable for your purposes.

Do I need insurance for Amazon Flex?

Amazon Flex is a popular pick-your-own-hours parcel delivery service. Regardless of how many or how few hours you pick, however, you will need to be appropriately covered to use your vehicle for business purposes.

This is often not financially feasible for small-time drivers picking low levels of hours but unfortunately it is how the industry lowers its costs, by passing on the responsibilities to the freelance drivers.

They money you earn delivering parcels can easily be wiped out by the cost of an accident, so it's not worth taking a risk.

Do I need insurance for Uber Eats?

Uber Eats and its competitors like Deliveroo offer a new type of courier service, delivering food instead of parcels. While this may seem simple enough and a regular use-case for your vehicle, it still pays to be properly covered.

You don't need specific insurance to get hired, but if you don't have the right insurance policy in place and an insurer finds out that you were working and therefore using your vehicle for business purposes during the process of a claim, then they will most likely deny it.

Whether you own a fleet of delivery vehicles or you're self-employed with a single vehicle, it pays to get some form of courier delivery insurance.

It doesn't matter whether you're delivering curries or computers, if you have an accident during the course of using your vehicle for business purposes, you need to be properly covered.

Regular vehicle insurance will not cover these scenarios 99% of the time, so proper courier insurance is a must.

There are many different types of insurance for couriers, that cover everything from lost and stolen parcels, to damage to your vehicle and damage to third parties and surrounding property.

It can be confusing, but careful reading and comparison of the different policies is necessary to make sure that you've got the right policy for you.

Nobody ever plans to have an accident, but whether you only work a few hours a week or it's your full time occupation, it pays to be fully covered so that you can securely deliver your parcels.