Frequently Asked Questions

 

Question: What is Courier Fleet Insurance?

Courier Fleet Insurance is a policy designed to cover two or more vehicles used for courier or delivery services, including Heavy Goods Vehicles, vans, and cars.

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Question: Who needs Courier Fleet Insurance?

Any business operating multiple delivery vehicles — such as logistics companies, e-commerce delivery services, or same-day couriers — should consider this insurance.

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Question: What does Courier Fleet Insurance cover?

It typically covers:

• Vehicle damage and theft

• Third-party liability

• Goods in Transit (optional)

• Breakdown cover (optional)

• Employer’s/Public Liability (if added)

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Question: Do I need courier insurance?

Yes. If you use your vehicle to deliver goods (including parcels, food, or items for third parties), you need Hire & Reward cover, which is not included in standard car insurance.

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Question: What does courier insurance typically include?

• Hire & Reward cover (legal requirement for delivery)

• Goods in Transit insurance (optional – covers items being delivered)

• Public Liability insurance (optional – for claims from third parties)

• Employers’ Liability insurance (if you hire staff)

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Question: How many vehicles do I need to qualify as a fleet?

Usually, a minimum of two vehicles is required. Some insurers may set a higher threshold, such as 3 or more.

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Question: Can different types of vehicles be covered in one fleet policy?

Yes, fleet policies can cover mixed vehicle types — cars, vans, motorbikes — as long as they’re used for courier work.​

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Question: Are all drivers covered under one policy?

Yes, fleet policies can be set up for:

• Named drivers

• Any driver over a certain age

• Any driver with certain license/experience criteria

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Question: Does fleet insurance save money compared to individual policies?

Yes, it’s often more cost-effective and easier to manage than insuring each vehicle separately.

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Do you have a question about Courier Fleet Insurance?

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