Courier Insurance

If you’re delivering parcels, food or goods for payment, standard car insurance is not enough. You need specialist courier insurance designed for the specific risks involved in courier work.

At Gomigo, we help couriers, delivery drivers and self employed drivers across the UK get the right courier insurance cover quickly and without the waffle.

Whether you use your own vehicle, a courier van or a car for deliveries, we can help you find flexible, cost effective insurance cover that keeps you legally protected while you work.

We know time matters when you’re making deliveries. That’s why we aim to make the process simple, fast and easy, so you can get insured and back on the road.

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Go + Amigo = GoMigo

Go: to move or proceed

Amigo: a friend; comrade

What Is Courier Insurance?

Courier insurance is specialist vehicle insurance for drivers transporting goods, parcels or food in exchange for payment.

If you are carrying customers goods, delivering parcels or completing delivery work for hire and reward, standard vehicle insurance will usually not provide cover.

Courier insurance policies are specifically designed for:

  • Delivery drivers
  • Courier drivers
  • Self employed couriers
  • Fast food delivery drivers
  • Multi drop drivers
  • Van couriers
  • Drivers using their own vehicle for courier work

Courier insurance helps protect you against the risks involved in delivering goods commercially, including accidents, theft, fire and claims involving third parties.

Depending on your policy, your insurance cover may include:

  • Courier van insurance cover
  • Courier car insurance
  • Goods in transit cover
  • Public liability insurance
  • Employers liability insurance
  • Fire and theft protection
  • Legal cover
  • Hire and reward insurance
  • Personal use cover

Who Needs Courier Insurance?

You may need courier insurance if you:

  • Deliver parcels
  • Carry goods for payment
  • Deliver food or fast food
  • Use your van or car for deliveries
  • Work as a self employed courier driver
  • Deliver across multiple locations
  • Transport valuable goods or customers goods
  • Work for delivery platforms or courier companies

Hire and reward insurance is a legal requirement for drivers transporting goods commercially in the UK.

This includes:

  • Parcel deliveries
  • Same day courier work
  • Fast food deliveries
  • Grocery deliveries
  • Business deliveries
  • Contract courier work

If you are unsure whether you need courier insurance, our team can help explain your options clearly.

Levels Of Courier Insurance

There are different levels of courier insurance cover available depending on your vehicle, business activities and budget.

Third-Party Only

Third-Party Only is the minimum level of insurance legally required. It covers damage or injury caused to other people, vehicles or property, but does not cover damage to your own vehicle.

Third-Party, Fire & Theft

Third-Party, Fire & Theft includes the same cover as Third-Party Only, plus protection if your vehicle is stolen or damaged by fire.

Comprehensive Cover

Comprehensive courier insurance provides Third-Party, Fire & Theft cover, along with additional protection for your own vehicle depending on the policy wording and insurer.

Goods In Transit Cover

Goods in transit cover helps protect customers goods while they are being transported. This can include protection if parcels or valuable goods are lost, stolen or accidentally damaged during deliveries.

Public Liability Insurance

Public liability insurance helps protect you if your business activities accidentally cause injury to another person or damage to property.

For example:

  • Accidentally damaging a customer’s property during a delivery
  • Causing accidental injury while carrying goods
  • Claims involving third party property damage

Employers Liability Insurance

If your business employs drivers or staff, employers liability insurance may be legally required.

This can help provide cover if an employee suffers injury while working for your business.

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Why Choose Gomigo?

At Gomigo, we understand the pressure couriers face every day. Tight delivery windows, long hours and keeping your vehicle moving all matter when your business depends on being on the road.

Why delivery drivers choose Gomigo:

  • Fast courier insurance quotes
  • Friendly UK-based support
  • Access to trusted insurance providers
  • Flexible payment options available
  • Cover for cars and courier vans
  • Insurance for self employed couriers and delivery drivers
  • Help understanding policy wording and levels of cover
  • Support for drivers using their own vehicle
  • No call centres, just genuine people ready to help

We aim to make getting insured as simple as possible, so you can focus on your deliveries and your customers.

Get A Courier Insurance Quote Today

Looking for courier insurance that works around your business?

Whether you deliver parcels, food or valuable goods, Gomigo can help you find the right courier insurance cover quickly and without the hassle.

We can help with:

  • Courier van insurance
  • Courier car insurance
  • Hire and reward insurance
  • Goods in transit cover
  • Public liability cover
  • Annual policy options
  • Insurance for delivery drivers using their own vehicle

Get in touch today for a fast, competitive courier insurance quote.

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Uber Driver Insurance FAQs

Do I need courier insurance for deliveries?

Yes. If you are transporting goods or making deliveries for payment, courier insurance is usually legally required. Standard car insurance does not provide cover for courier work.

What is hire and reward insurance?

Hire and reward insurance provides cover for drivers carrying goods in exchange for payment. This is essential for courier drivers and delivery work.

Can I use my own vehicle for courier work?

Yes, but you must have the correct courier insurance cover in place. Standard vehicle insurance will not usually cover business deliveries.

Does courier insurance include goods in transit cover?

Some courier insurance policies include goods in transit cover, while others offer it as an optional add on.

What is public liability insurance for couriers?

Public liability insurance helps protect couriers against claims involving accidental injury or property damage caused during deliveries or business activities.

How much does courier insurance cost?

Courier insurance premiums vary depending on:

  • Vehicle type
  • Delivery work completed
  • Claims bonus history
  • Annual mileage
  • Type of goods carried
  • Delivery locations
  • Driver experience
  • Levels of cover selected

Can self employed couriers get insurance?

Yes. GoMigo can help self employed delivery drivers and couriers find suitable insurance cover for their business.

Does courier insurance cover fast food deliveries?

Yes. Courier insurance can provide cover for fast food and takeaway deliveries depending on the insurer and policy selected.

What vehicles can be insured?

Policies may provide cover for:

  • Cars
  • Vans
  • Courier vans
  • Larger delivery vehicles

Can I pay monthly for courier insurance?

Many insurers offer flexible payment options, including monthly instalments, subject to eligibility.

Does courier insurance include personal use?

Many courier insurance policies include personal use cover, but this can vary depending on the insurer and policy wording.

What happens if customers' goods are stolen?

If you have goods in transit cover, your policy may help provide protection if customers goods are stolen, lost or accidentally damaged during deliveries.