Introduction
Courier insurance underpins the UK fast-moving delivery economy. Whether you deliver parcels for a national network, operate a same-day service, or run a multi-van operation, the moment you carry goods for payment you need specialist cover.
Standard social, domestic and pleasure policies do not cover this activity. Courier insurance recognises the higher mileage, urban stop-start driving, and time pressures that define delivery work.
What Hire and Reward Means
If you transport goods for payment, even occasionally, your vehicle policy must permit hire and reward. Without it, a claim whilst working could be declined.
Hire and reward specifically covers the carriage of third-party property for remuneration - distinct from business use for your own tools or samples.
Core Policy Components
Motor Insurance
With explicit hire and reward cover. Most choose comprehensive because downtime is costly.
Goods in Transit
Protects items against theft, accidental damage or loss. Limits set per consignment and aggregate.
Public Liability
Covers injury or damage to third parties - like damage whilst delivering to premises.
Employers Liability
Generally compulsory if you employ staff in the UK.
Security and Theft Prevention
- Use deadlocks or slamlocks where appropriate
- Fit steel bulkheads and secure shelving
- Keep parcels out of sight
- Remove keys at every stop, even for seconds
- Consider trackers for high-risk postcodes
Frequently Asked Questions
Is courier insurance the same as taxi insurance?
No. Taxi policies cover passengers; courier policies cover goods carriage.
Can I use my personal car for food delivery?
Only with hire-and-reward cover in place.
Conclusion
Courier insurance legitimises hire-and-reward driving, protects the goods and the public, and helps you recover quickly when something goes wrong.