Courier Fleet Insurance
Courier fleet insurance quotes from specialist brokers
- Tell us about your fleet in just a few clicks
- We’ll match you with FCA regulated brokers from our panel
- Cover for multi-drop, hire and reward, and Goods in Transit, all in one place
Why use iRevolution Connect?
Running a courier fleet comes with its own set of risks. From multiple drops a day, valuable goods on board, and drivers who are on the road more than most. We take the hassle out of finding the right cover by sourcing reputable, FCA registered insurance brokers who specialise in courier and multi-drop fleets.
They understand hire and reward risk, Goods in Transit exposure, and the pressures of same-day and next-day delivery work, and they’re on hand to guide you through the buying process and offer advice whenever you need it.
What types of courier fleet policy can I buy?
As with other fleet insurance, there are several ways to structure a courier fleet policy depending on the size and shape of your business.
Any driver fleet insurance
Any driver policies save you time and hassle, as you don’t need to contact your insurer every time a new driver joins your business. That’s ideal if you take on subcontractors or seasonal drivers to cope with demand. These policies are usually age restricted, for example any driver over 30 or 25 years old. If you have one younger driver while the rest of your team sit above one of these age brackets, it can sometimes work out more cost effective to insure the fleet at 25 or 30 and add the younger driver as a named driver instead.
Named driver fleet insurance
If you run a smaller, settled team of regular delivery drivers with low staff turnover, a named driver fleet insurance policy could work out best for your business. It can often be the more cost effective option, though it may require you to send more detailed paperwork on each driver to your broker.
Mini-fleet insurance
Don’t think you’re big enough for a fleet policy? Many of our brokers can offer mini-fleet insurance to courier businesses with as few as three vehicles, so even smaller multi-drop operations can benefit from fleet-level pricing and admin savings.
Essential add-ons for courier fleets
Courier work carries risks that go beyond the vehicle itself. Here are the add-ons most courier businesses should consider alongside their core fleet policy.
Goods in Transit (GIT) insurance
If you’re carrying parcels, pallets or stock that belongs to someone else, Goods in Transit cover is essential. It protects you against the cost of goods being lost, stolen or damaged while in your vehicle or during loading and unloading. Without it, you could be personally liable for the value of everything you’re carrying. Cover limits can usually be tailored to the typical value of the loads you handle, and many of our brokers can arrange higher limits for businesses regularly carrying higher-value goods.
Public liability insurance
Protects your business if a member of the public is injured, or their property is damaged, as a result of your courier operations, during a delivery or while loading at a customer’s premises.
Employers’ liability insurance
A legal requirement if you employ drivers or staff, even on a casual or part-time basis. It covers claims made by employees who are injured or become ill as a result of their work for you.
Legal expenses cover
Helps cover the cost of legal representation and other expenses if you need to pursue or defend a claim, for example following a road traffic accident that wasn’t your driver’s fault.
Breakdown and vehicle recovery
A breakdown mid-round means missed drops and unhappy customers. Breakdown cover, including onward travel or replacement vehicle options, helps keep your deliveries moving and minimises disruption to your schedule.
Excess protection
Reduces or removes the excess you’d otherwise pay following a claim, helping protect your cash flow if one of your vehicles is involved in an incident.
Does it matter how I use the vehicles?
Yes, the way your fleet is used has a direct impact on the type of policy you need. Courier and multi-drop delivery work is treated as a specialist use class by insurers, distinct from general business or private use, so it’s important your policy reflects exactly what your drivers are doing on the road.
Because courier fleets are rarely one-size-fits-all, using iRevolutionConnect.co.uk means we match you with brokers who understand exactly how your vehicles are used, so you’re not left underinsured, or paying for cover you don’t need.
What are the benefits of buying courier fleet insurance?
There are several advantages to insuring your courier fleet under one policy rather than individual vehicle policies:
- Save time - all your vehicles, drivers and add-ons, including Goods in Transit, are managed under one policy.
- Save money - your cost per vehicle can be reduced when cover is consolidated.
- Less paperwork and admin - vehicle and driver details are sent to just one broker instead of several insurers.
- Cover that flexes with your business - it’s easier to add vehicles or drivers as your delivery volumes grow.
How do I get courier fleet cover for the first time?
If you’ve been running individual van policies and are ready to move to a fleet policy, simply complete our simple form and brokers from our panel will come back to you with their prices. Some insurers prefer businesses with a proven track record on a fleet policy, but several of the brokers we work with have relationships with providers who specialise in helping courier businesses secure their first fleet policy.
What levels of cover are available?
Cover levels for courier fleet insurance work in much the same way as ordinary car insurance, though the right level for your business should always be considered alongside add-ons like Goods in Transit and public liability.
Third party
The lowest level of cover available, ensuring your drivers are motoring within the limits of the law. This covers any damage to third parties, including their property and vehicles.
Third party, fire & theft
Offers the same protection as third party insurance, with the added benefit of protecting your vehicles if they are stolen or set alight.
Comprehensive
The highest level of protection available, covering everything above plus cover for your own vehicles too. It’s the most common choice for courier fleets carrying valuable goods day to day.