Courier insurance Courier insurance

Whether you’re a sole trader or run a large firm, we offer a wide range of tailored business insurance that's steered by you. Choose from public liability, business equipment, personal accident cover and more.

Be quote confident. We'll beat the price of any like-for-like quote. T&Cs apply.

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Courier insurance quote from £7.17 a month

10% of couriers paid £7.17 a month or less for their Superscript business insurance between January and March 2023.

Why do couriers need insurance?

As a delivery driver, you may think you just need insurance for your vehicle. But insuring yourself against the risks of your role is just as important. From interacting with the public to using expensive equipment like a GPS tracker, there are a number of opportunities for incidents to happen when you're out making deliveries.

Our business insurance for delivery drivers is designed to protect you with tailored cover that you can customise to suit the needs of your services.

  • Pick the covers you need, leave the ones you don't
  • Enjoy 5-star customer service and claims support
  • Add or remove covers and adjust your limits, with no extra fees
  • Pay monthly or annually, it’s your choice

Be quote confident

We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it – we'll go one better and beat it.

So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.

As you'd expect, T&Cs apply.

What insurance do couriers need?

1

Public liability insurance

The most popular cover for many businesses, including couriers – 92% of our courier customers buy public liability insurance. It can cover your legal and compensation costs in the event that a client, or any other non-employee, takes legal action against you for injury or property damage caused by your work.

2

Business equipment cover

As a delivery driver, you'll likely have business equipment, such as a phone, laptop, and GPS tracker that helps you do your job. If these items were stolen or damaged, business equipment insurance can cover the cost to repair or replace them, so you never miss a delivery.

3

Personal accident cover

Hauling often heavy deliveries up and down flights of stairs or in and out of a van can make you more prone to a potential accident. If you unfortunately suffered an accident while making deliveries, which resulted in loss of sight, hearing, speech or a limb, death or that left you disabled and permanently unable to work, this type of insurance can offer a compensation benefit of up to £10,000.

5

Cyber insurance

You may be surprised to see this one on the list, but cyber insurance is relevant to any business that stores personally identifiable information.

As a courier, you'll likely hold personal information about the people you're delivering to, including names, email addresses and even birth dates. This could make you the target of data theft. Cyber insurance is designed to protect you in the event of this happening, covering the cost of your legal and compensation bills and fines you may receive for a data breach.

You cna select cyber insurance limits between £250,000 and £2 million, depending on the size of your business and how much personal data you hold.

6

Employers' liability insurance

For most businesses in the UK that employ a team, employers' liability cover is a legal requirement - regardless of whether your team is made up of full-time, temporary or part-time staff.

Employers' liability insurance offers financial protection if an employee suffered an injury at work and wanted to make a claim against you.

Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.

What's not included in our courier insurance?

✖

Motor contingent insurance

If you have a road accident while making deliveries, you would need to have a separate motor contingent policy to cover that.

✖

Vehicle insurance

For any claims relating to your delivery vehicle, you would need a separate policy such as hire and reward cover or breakdown cover under your vehicle insurance.

✖

Goods in transit cover

If someone broke into your vehicle and stole the items for delivery, this would require additional transport or logistics insurance.

Courier insurance claims

The types of risks that could happen are different for every business, but here are a few examples of claims that could happen to delivery drivers where the business could be liable.

Fractured foot

While handing over a heavy package to a customer, you accidentally drop it on their foot, causing a fracture. Public liability can cover the legal and compensation costs.

A hurt back

An employee wasn’t trained on how to lift heavy items and injures their back, rendering them unable to work. Employers' liability insurance can cover compensation and legal costs related to employee claims.

Stolen equipment

While making deliveries inside a building, someone breaks into your locked vehicle, stealing your phone and GPS tracker. Business equipment cover can pay to replace the items.

How do claims work?

1

Notify us of the claim

Contact us by email at claims@gosuperscript.com, by 24/7 freephone on 0800 772 3059 or by logging in to your customer portal.

Ideally this should be done as soon as possible and within 30 days of you becoming aware of anything which you think may be covered by your insurance.

A good indicator of whether or not to let us know is if there's an issue which may require a payment to be made on your behalf.

2

We'll get on the case

We'll acknowledge your claim within 24 hours, and sometimes in as little as 30 minutes! This means you'll receive email confirmation of your claims reference and contact information should you need to speak to us.

We will then reach out to you within 48 hours to request any extra information we need to progress your claim.

We'll keep you updated on the next steps as the claim progresses.

3

A decision is made

We'll let you know if your claim is successful or not. If your claim isn't covered, we will always try to point you in the right direction and support you as best we can in getting back to normal.

Read about the most common reasons claims aren't paid.

If your claim is successful, once we have all the documents we need, we will aim to settle claims such as accidental damage, theft and lost equipment within five working days.

Meet our claims team

This is Laura, a qualified insurance lawyer and our in-house claims manager here at Superscript. Hi, Laura!

If you are making a claim for lost, stolen or damaged equipment, then Laura and her expert team will ask you as little as six quick questions, such as 'when and how was the item damaged?' and 'do you have proof of purchase?'.

Once you've answered the questions, they can then begin to resolve your claim and send your payment for processing that very same day!

If your claim is for legal or compensation costs, then Laura and her team will handle the process for you and keep you updated every step of the way.

Courier insurance FAQs

How much is courier insurance?

The cost of your delivery driver insurance premium is based on the types and level of cover you choose. The amount you pay can also be affected by several other factors, including:

  • Your location
  • Your annual turnover
  • How many employees you have (if any)

To find out how much your insurance premium would cost, simply click 'start a quote'.

What's the difference between courier and haulage cover?

Couriers and hauliers are largely similar in what they do, however, couriers are often seen as delivery drivers who make multiple drop-offs in their local area every day, whereas haulage drivers are seen to make larger deliveries, often over longer distances.

At Superscript, we offer both courier and haulage insurance. Simply click on 'Start your quote' and search for your main business activity.

What level of public liability cover should I get?

There are three levels of public liability cover that you can buy – £1m, £2m and £5m. The one you choose will be dependent on the risks you face within your work and how a claim could play out if one was made.

For instance, as a courier, you will often encounter members of the public. If an accident happened which left someone you were delivering to injured or their property was damaged and they made a claim, a legal battle and compensation could cost millions.

With this in mind, it's worth thinking about the types of claims that could affect you and how much they could potentially cost, so you can accurately calculate the level of cover you need.

What business insurance do I need to deliver?

As a delivery driver who's regularly in contact with the public, the most important type of business insurance to consider is public liability cover. It provides financial support if a member of the public made a claim against you for accidental injury or property damage.

If you employ people, from temporary couriers to a team of dedicated delivery drivers, you are likely to be legally required to have employers' liability insurance in the UK.

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Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).

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If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.