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The Best Fleet Insurance for Couriers

Cover all of your courier fleet vehicles under a single fleet insurance for couriers policy. Find out why unified fleet policy is great for couriers.

If you own a commercial courier fleet, you need to ensure that your vehicles are all covered through courier fleet insurance

This protects your array of vans, cars, or even bikes against damage to vehicles in transit, theft and a whole host of other risks associated with completing hire and reward type work. You can even minimise downtime with further protection, such as breakdown cover for courier fleets.


Can you get courier specific fleet insurance?

You can get courier specific fleet insurance for businesses operating three or more vehicles for hire and reward/delivery work. These policies can be altered to match the specific needs of your business, but they generally cover high mileage and multi drop deliveries. 

These policies are available as third-party only; third-party, fire and theft; and comprehensive coverage, depending on your needs. Discuss your plan with us today.

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As the UK’s leading fleet insurance specialists, we work with the UK’s largest insurance providers for fleets to get you an instant, hassle-free policy.

What type of insurance is required to be a courier?


To work as a courier, you’re legally obligated to obtain a specific hire and reward insurance policy to cover commercial and door to door delivery. This is necessary as standard vehicle or fleet insurance will not be enough to provide full coverage.  

If you’re the owner of a courier service business (even if you have only 2 vehicles on the road), you should be covered under a single fleet insurance policy to reduce administration and save significant costs.


The best types of fleet insurance for couriers

The best courier fleet insurance types involves combining a number of aspects from multiple policy types, such as:

  • Hire and reward insurance - Required for transporting goods for payment. This is legally required to operate as a company driver.

  • Goods in transit insurance - Vital to cover loss or damage to items during delivery.
  • Public liability insurance - Protects against claims of personal injury or damage to property whilst driving or delivering.
  • Van insurance - Bespoke coverage for the vehicle itself against fire, theft and damage. 

  • Employers’ liability insurance - Required if you employ staff or use other drivers.

Why a unified fleet policy is great for couriers


A unified fleet policy is almost always the best option for couriers for a number of reasons. It offers a highly simplified and high-value approach to covering all insurance needs for your courier business. 

This option also lowers policy prices significantly, as covering multiple vehicles and drivers under the same policy is always cheaper than doing so separately. Another benefit is the reduction of labour and administrative costs, because you’ll only have to manage and pay for a single policy, no matter the size of your fleet. 

On top of this, a single fleet policy allows greater operational flexibility for your business. If you opt for ‘any driver’ coverage on your entire fleet, you don’t have to waste time registering new drivers if your staff turnover is high. As long as they’re authorised, they can drive the vehicles in your fleet.

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