Fleet & Motor

Courier Insurance

Specialist insurance for courier drivers and delivery businesses. Whether you're a self-employed driver or run a fleet of delivery vehicles, we'll arrange comprehensive cover for your vehicles and the goods you carry.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Courier Insurance Cover?

Courier insurance provides protection tailored to the delivery industry. Coverage options include:

Hire & Reward Cover

Essential cover for couriers – standard motor policies exclude carrying goods for payment. This covers you for paid delivery work.

Goods in Transit

Protection for parcels, packages, and items you're carrying against loss, theft, or damage during delivery.

Public Liability

Cover for claims if you injure someone or damage property while making deliveries.

Comprehensive Vehicle Cover

Full protection for your van or car including accidental damage, fire, theft, and third-party claims.

Breakdown Assistance

Roadside recovery to keep you moving – essential when time-sensitive deliveries are at stake.

Personal Accident

Cover for you if you're injured while working, providing income protection and medical expenses.

Legal Expenses

Cover for legal costs in disputes with customers, platforms, or following road traffic incidents.

Employers' Liability

Required if you employ other drivers or helpers – covers claims from injured employees.

Refrigerated Goods

Specialist cover for temperature-controlled deliveries including breakdown of refrigeration equipment.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Goods Protection

Cover for the items you carry – essential when you're responsible for customers' valuable parcels.

Hire & Reward Included

Proper commercial cover that allows you to carry goods for payment – not just social and commuting.

Flexible Policies

Options for full-time, part-time, or occasional courier work to match your working pattern.

Platform Compatible

Cover that meets requirements for Amazon Flex, DPD, Hermes, and other delivery platforms.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Self-employed courier drivers
Amazon Flex and delivery platform drivers
Multi-drop parcel delivery drivers
Same-day courier services
Medical and pharmaceutical couriers
Food delivery drivers (hot and cold)
Document and legal courier services
Courier fleet operators

What We'll Need for Your Quote

1
Vehicle details (registration, make, model)
2
Type of goods typically carried
3
Maximum value of goods per load
4
Delivery platforms or contracts you work with
5
Full-time, part-time, or occasional use
6
Driver details and claims history
7
Where the vehicle is kept overnight
8
Annual mileage estimate

Get Your Quote

Frequently Asked Questions

Why can't I use standard car insurance for courier work?

Standard motor policies exclude 'hire and reward' – carrying goods or passengers for payment. Using personal insurance for courier work would invalidate your cover and could result in prosecution for driving without insurance.

Do I need goods in transit cover as well as vehicle insurance?

Vehicle insurance covers your van, not the goods inside. If a parcel is lost, stolen, or damaged, you could be liable to the customer or platform. Goods in transit cover protects against these claims.

What cover do I need for Amazon Flex or similar platforms?

You'll need hire and reward motor insurance and typically goods in transit cover. Most platforms specify minimum requirements – we'll ensure your policy meets their criteria.

Can I get courier insurance if I only do deliveries part-time?

Yes, policies are available for part-time and occasional courier work. You'll need to declare your expected usage accurately – premiums are often based on hours worked or deliveries made.

Is food delivery insurance different from parcel courier insurance?

The principles are similar, but food delivery may need additional considerations like public liability for food safety issues. Hot food delivery may also need cover for thermal bags and equipment.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.