insurance for couriers

Insurance for Couriers

As insurance brokers, IC Insurance does all the hard work for you, so let us take care of your insurance needs.You don’t have to worry about anything – we’ll search all companies to find the best quote and provide you with affordable insurance cover on our vast portfolio of products. Our courier insurance process is also quick and straightforward and offers you handpicked insurance policies you can trust. To request a quote, send us your details and we’ll come back to you within 24 hours on business days.
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Courier and fast food

We anticipate an increase in demand for Courier and Fast Food Delivery and wanted to remind you that we offer the following options:

30 day polices (Third Party Only)
90 day polices (Third Party Only & Comprehensive)
Annual policies (Third Party Only, Third Party, Fire & Theft, and Comprehensive)
For cars & vans
Taxi Fleet Insurance
Commercial Van Insurance
Truck and HGV Insurance

We have also widened our eligibility criteria and can now quote for:
Fast Food Delivery
Vehicle GVW’s up to 7.5T
Vehicles aged up to 15 years old
Various cover periods available including, 7 Day, 30 Day, 90 Day & Annual (Third Party Only, Third Party, Fire & Theft, and Comprehensive)


Whether you deliver parcels or a consignment from one location to another – or drop parcels off at a nearby location to be picked up – being on the move and on the road can be risky. After all, in the last decade, we have seen a significant increase in the number of vehicles on the road. If you are a courier, it is essential that you have the right courier insurance cover in place in the event something happens when you are on the road.

IC Insurance search all markets to find the best policy and provide you with affordable courier insurance cover, so contact our experts to receive a bespoke quote.

why choose ic insurance for courier insurance?

The hazards to look out for while working as a delivery driver are always increasing, so you should be protected against as many as possible with courier insurance.

But it can be difficult to know that your business and, therefore, livelihood, is truly protected. This is because insurance for couriers can vary as there is no generic policy.

To ensure you find the right cover for your business needs, IC Insurance can help.

Our policies ensure both drivers and vehicles are adequately protected should anything go wrong.

IC Insurance:

Have over 20 years of experience within the courier insurance broker industry
Have access to some exclusive markets and premiums
Can offer a flexible payment plan for couriers
Can provide you with some European cover if needed
Are truly independent, so we can do a real thorough market exercise with no allegiance to a particular insurer
Have managed to make savings for many couriers who still remain loyal customers to this day

Have strong relationships with courier insurers
Have access to all the major composite insurers and some specialist insurers
Have commercial portfolio covers not just for courier insurance but for all associated products as well

We will work with you to find a policy that is fit for purpose and will provide you with complete peace of mind. Our courier insurance package will give you an idea of what courier policies should include

what does Does Courier Insurance cover?

Our key covers include:

Comprehensive, third party, and third party & theft covers

If you’re looking for courier insurance, these policies will protect your livelihood against all eventualities. They can also provide you with the bare minimum requirements to use the roads legally. Whether you are operating alone or you share vehicles, we can offer both ‘any driver’ and ‘specified’ driver policies to suit your business.

goods in transit Cover

Goods in transit cover is a key policy for anyone looking for insurance for couriers. As a courier, your job includes transporting goods and ensuring they arrive in the condition they were sent it. When products are transported from one point to another, they become vulnerable to theft, damage and loss, so this policy can cover them while you’re on the road.

BReakdown Cover

Many people don’t fully appreciate this product until they need it, but it’s an important one when you are working to a deadline. Breakdown cover will take the load off your mind, since it can help you if you get a flat battery or punctured tyre, as well as more serious fault

Public liability

Public liability insurance is a special type of business insurance that protects businesses from the cost of legal action and compensation claims filed against them by clients or members of the public for incidents that occur in connection with business activities.

Having a comprehensive public liability insurance package in place means that you have adequate protection against the costs arising from unexpected accidents. Public liability insurance policies cover compensation and legal expense for:

Personal injury and illness claims
Damage to/ loss of property claims
Death claims

Frequently Asked Questions About
 Courier Insurance

No, personal motor insurance usually does not cover commercial use. Couriers need commercial motor insurance to ensure coverage during business-related activities.
Commercial motor insurance covers damages to the courier's vehicle and provides liability coverage in case the courier is at fault in an accident. It may also include coverage for uninsured/underinsured motorists.
Cargo insurance protects against damage or loss of the goods being transported. It ensures that the courier is financially covered if the delivered items are damaged, stolen, or lost in transit.
Yes, there are various types, including All-Risk Cargo Insurance and Named Perils Cargo Insurance. All-Risk Cargo Insurance provides broader coverage, while Named Perils Cargo Insurance covers specific risks outlined in the policy.
Liability insurance covers bodily injury or property damage that couriers may cause to third parties during the delivery process. It is essential for protecting the courier from legal and financial repercussions.
Yes, liability insurance often covers legal defence costs, including legal fees and court expenses, in case the courier is sued for damages.
One solution that our brokers will use to save couriers on insurance costs is bundling coverage, maintaining a good driving record, implementing safety measures, and comparing quotes from different insurers.
Yes, we offer a tailored service so that couriers can often discuss changes to their insurance policies based on their specific needs. This may include adjusting coverage limits, adding endorsements, or combining different types of coverage.
While cargo insurance provides coverage for a range of risks, it may have exclusions or limitations. It's essential to carefully review the policy to understand the specific circumstances under which goods are covered.
Using a personal vehicle for commercial purposes without the appropriate insurance will lead to coverage gaps. In the event of an accident, your personal motor insurer will not deal with the claim, leaving you personally responsible for damages.
Standard insurance policies typically do not cover delays in deliveries. However, some specialised policies or endorsements may offer coverage for business interruption or loss of income due to unforeseen delays.
Depending on the policy, coverage may extend to accidents that happen while delivering on foot or using a bicycle. Couriers should check with their insurance provider to confirm the extent of coverage in such scenarios.

Get Courier Insurance with IC Insurance Solutions

We have a wide range of insurance experts and seasoned brokers who can help you get the best cover for your specific needs at competitive prices. We have a vast knowledge of the courier market and have developed strong partnerships with insurers over the years, so we can help you to obtain a comprehensive cover that fits your exact needs. If you would like to learn more about our product or want to get a free quotation for courier insurance, contact our specialist advisors on +441204565600 or email us on
To request a quote, send us your details and we’ll come back to you within 24 hours on business days.
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years of expertise

Putting the customer first is at the heart of everything we do here at IC Insurance Solutions

Using our expertise and market awareness we are commited to solving our clients insurance needs by helping them to quantify and manage the risks to their business in the most effective way. Helping clients navigate the insurance market to find the right policy to protect their business at a competitve premium.
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We are proud to announce that we have been awarded the winning position of commercial lines broker at the UK National Insurance Awards 2023.

The National Insurance Awards is widely considered to be one of the most prestigious events in the insurance industry, and this achievement is a testament to the hard work and dedication of everyone here at IC Insurance.
We are a team of experienced insurance
brokers working together with our customers to understand and fulfil their insurance needs.
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