Car Insurance for Couriers: What You Need to Know
If you spend most of your day behind the wheel delivering parcels, the right car insurance isn’t a nice‑to‑have – it’s a must. A missed claim or the wrong policy can cost you time, money, and even your licence to work. Let’s break down the basics so you can stay protected without over‑paying.
Types of Coverage Every Courier Should Have
First up, public liability. This covers damage you cause to other people or property while you’re on a delivery. In the UK it’s often a legal requirement, and you’ll need at least £1 million cover to keep most clients happy.
Next, consider comprehensive or third‑party, fire and theft. Comprehensive covers any accident, even if you’re at fault, plus theft, vandalism, and fire. Third‑party, fire and theft is cheaper but leaves you exposed if you crash.
Finally, think about personal injury protection. If you get hurt while making a delivery, this add‑on can help cover medical bills and loss of earnings. Many couriers skip it, but a minor injury can quickly become a big financial hit.
How to Save on Your Policy
One easy way to cut costs is to prove you’re a low‑risk driver. Keep a clean record, stay under the speed limit, and avoid claims whenever possible. Insurers look at your claim history, so a spotless track record can shave off a few pounds each month.
Another tip: bundle your insurance. If you use the same vehicle for both personal and work purposes, a single policy that covers both can be cheaper than two separate ones. Just make sure the policy explicitly mentions courier work.
Don’t forget mileage limits. Some insurers offer lower rates if you stay under a certain number of miles per year. If your routes are predictable, let the insurer know – they may give you a mileage‑based discount.
Finally, shop around. Use comparison sites, talk to brokers who specialize in logistics, and ask for any professional discounts. Many insurers have special rates for members of courier associations or for businesses that use a fleet of vehicles.
Getting the right car insurance for couriers doesn’t have to be a headache. Focus on the essential cover types, keep your driving record clean, and compare a few quotes before you sign. With the right policy, you can hit the road with confidence and keep your deliveries on schedule.
July 26, 2025
Evelyn Wescott
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