Frequently Asked Questions

What is Courier Insurance?


Motor insurance is required by law if you intend to use or leave your vehicle on a public highway. Courier insurance is required if you are a self employed courier carrying packages and parcels for hire and reward. There is sometimes confusion between courier insurance and haulage insurance. Haulage policies are designed for companies that use their van to make a single drop load over a long distance. They are not intended for couriers (who make multiple drops) and as a result this type of policy would be invalid for courier use. Cover can be arranged for all types of policyholders to include sole proprietors, partnerships, Limited Companies and Limited Liability Partnerships.




Who will my courier insurance be with?


Courierinsurance.co.uk search our extensive panel of courier insurance providers to find you the best policy at the lowest possible price. As the UK's leading courier insurance broker we have negotiated exclusive rates with our underwriters and you'll have direct access to courier insurance rates that you won't find anywhere else. Our underwriters include big names such as RSA and ERS.




Can I get immediate courier insurance cover?


Yes, providing you have a credit or debit card to make a payment we can issue you with immediate cover, subject to normal terms and conditions. Please note that if you choose to pay by direct debit we will require a deposit from you, payable by credit or debit card and you will need an account that supports the direct debit facility.




What types of vehicle can I use as a courier?


If you are looking for an individual courier insurance policy we can provide quotations for cars and vans up to 3.5 ton. If you are looking for a fleet policy for multiple vehicles then most vehicle types can be accommodated on this type of policy.




When will I get my courier insurance documents?


Once you arrange cover with us your policy documentation is normally sent to you by email the same working day.




Can I use my no claims bonus?


You can't transfer car no claims bonus onto a courier policy however most of our insurers will allow a generous discount if you have a number of no claims bonus earned on a car policy in your name substantially reducing the cost of your courier insurance.




Can I get a quote online?


Courierinsurance.co.uk do not provide online quotations as we prefer to offer a tailored insurance service for couriers on a case by case basis. You can submit a quotation request online via our website and one of our courier insurance specialists can call you when convenient to discuss your requirements in more detail and provide you with a competitive quotation.




Can I phone you for a quote?


Yes, we would welcome your call - 0345 340 2111 - Local call rate - Many of our customers choose to discuss their insurance quote by phone. The main benefit of a phone quote is that we can tailor a policy to suit your individual needs there and then. We are based in the UK with an experienced courier team. These experts know exactly where to go to get the right insurance for you and our extensive panel and exclusive insurance rates mean we have access to market leading courier insurance schemes.




What types of courier insurance policies are there?


The types of cover available include Comprehensive, Third Party Fire and Theft Insurance and Third Party Only Courier Car and Van Insurance Policies. All courier insurance policies will carry an excess - this is the first part of any insurance claim which you are responsible for and will have to pay if you are at fault in an accident. Typically the excess is £500 however under many circumstances we can reduce this excess to £250 or lower. We can also provide competitive quotations for Goods in Transit, Public and Employers Liability Cover along with Breakdown Cover and Excess Protection.




How many drivers can I have on my courier insurance policy?


The majority of policies are either insured only or named drivers as the costs increase as driver numbers increase, but you can have any driver over 25 or 30 policy if you wish. Your quote will depend on how many drivers you have, what age they are and what the claims and conviction history of a driver is.




What about discounts for new courier drivers?


Large discounts are available if you have a proven claim free driving or no claims bonus earned on another policy in your name. We can provide competitive premiums for both experienced courier drivers or new courier drivers.




Will my courier insurance policy cover windscreen damage?


If we provide you with a Comprehensive Courier Van Insurance or Courier Car Insurance Policy, windscreen cover will be included. Windscreen cover is not available on Third Party Fire and Theft cover or Third Party Only.




Will courier fleet insurance be the best option if I have more than one vehicle?


If you are operating four or more vehicles then a Motor Fleet Policy could be a better solution for you. A fleet policy could save you money and cuts down on administration as you will have one common renewal date for all your vehicles leaving you with more time to run your business. If you would like to discuss if this is a viable option for you then speak with one of our courier insurance specialists.




Can you arrange breakdown cover for couriers?


Yes, we can arrange breakdown for Couriers. Our cover provides full nationwide recovery, road side assistance and assistance at your home address, please call us for more information.





Address

courierinsurance.co.uk

3 - 4 Dollywaggon Way, Bamber Bridge

Preston, PR5 6EW

Contact

0345 340 2111

office@courierinsurance.co.uk

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