What is courier fleet insurance?
Courier fleet insurance addresses vehicles used for delivery work. A standard business-use policy may not cover carrying goods for payment, so the insurer must understand the exact delivery activity.
- Hire and reward use declared as standard
- Cover from 2 vehicles upwards
- Goods in transit cover arranged alongside
- Rated on claims experience, drivers and delivery type
Tell the broker what you deliver, the areas covered, typical daily mileage and who drives the vehicles. Motor insurance, goods in transit and liability insurance address different risks; ask which policies your operation needs.
What courier fleet policies cover
A courier fleet policy works like any commercial fleet policy but with the use declared as courier or hire and reward. The vehicles, the third-party liability and any drivers allowed under the policy terms are all covered under one schedule.
- Panel vans, Lutons, small vans and cars used for delivery work
- Hire and reward use for carrying other people's goods for payment
- Any-driver, named-driver or age-restricted driving options
- Add or remove vehicles during the policy year as rounds change
Extras courier fleets commonly need
The motor policy covers the vehicle and third parties. Most courier operations also need cover for the goods themselves and for keeping working when a van is off the road.
- Goods in transit cover for the parcels and loads carried
- Replacement vehicle cover to keep rounds running after a claim
- Breakdown recovery suited to high-mileage urban work
- Legal expenses and uninsured loss recovery
- Tools and equipment cover where drivers carry scanners, cages or straps
What courier fleet underwriters look at
Courier work is manually underwritten and insurers price it carefully. Have these details ready and quotes come back faster and sharper.
- Confirmed claims experience over the last three to five years
- Driver ages, licence history and whether driving is any-driver or named
- Types of delivery work: multi-drop, same-day, palletised or suburban rounds
- Annual mileage per vehicle and the postcodes worked from
- Overnight parking arrangements and security such as slam locks or telematics
Why choose Fleet Cover UK?
One policy, one renewal and a specialist who takes time to understand your business. The team at Broker Zone can discuss your vehicles, drivers and requirements, explain suitable options and help you decide on the next step.
Insurance services are provided by Broker Zone Ltd, an appointed representative of Gauntlet Risk Management Ltd. Cover is subject to insurer acceptance, terms, conditions and exclusions.