Looking for a competitive rate?

As a courier insurance broker, we’ll do all the hard work for you

 

Our specialist courier team provides insurance cover for businesses that transport goods for customers, helping to protect against the financial impact of loss or damage following an accident during transit.

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Who the product is suitable for:

• Those who transport goods either on behalf of someone else or their own goods

• Tradespeople looking to cover their tools while in transit in their own vehicle

• Haulers who need all risks or RHA cover

• Haulers requiring CMR cover

• Those transporting refrigerated goods

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Features & Benefits:

• Tools cover includes a 20% co-insurance clause for theft or attempted theft from a vehicle outside of working hours, where the insurer will pay 80% of the loss/damage

• Trailer Cover Extension

• European cover available for Haulage and Freight

• An economy product is available which excludes high theft risk goods

• Extension available to cover refrigerated goods

 

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Protecting Couriers since 2019

Since our founding in 2019, we have helped countless of professional drivers get the protection they need.

Our flexible, affordable cover can insure:

• Couriers

• Van owners who transport goods for payment

• Delivery drivers

• Lifestyle couriers

We’ve gained a deep understanding of the challenges you face and can tailor cover to meet your needs. For example; if you’ve 2 or more vehicles we’ll recommend you save time and money with a courier fleet quote.

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Why choose UK Sure

If your business involves being contracted to move goods between one place and another, delivering these items safely and without damage will be a high priority.
We are specialists in providing insurance for the transportation sector. We can help you obtain appropriate levels of cover to suit your business and can provide these goods in transit cover either as a standalone cover or as part of a courier insurance policy. Our specialist team is available to take your call and chat through your requirements.

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Goods in Transit Insurance

Goods in transit insurance covers the cargo (goods or products) you transport from one location to another as part of your courier work.

It is not a legal requirement, but it is highly recommended to cover the risks you face when transporting other people’s goods. Without it, you could be held personally liable for issues arising while delivering goods.

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Couriers and haulers also need insurance for their vehicles and public liabilities. Alongside these, goods in transit insurance provide full cover for the risks you face while out on the road.

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It could only take an emergency stop in a vehicle to send tens of thousands of pounds worth of products tumbling into each other and causing irreparable damage. Or the security of your vehicle might be compromised while goods are transported between destinations, with items stolen as a result.

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What are goods in transit?

Goods in transit insurance protects the goods you transport as a courier against damage or destruction, loss, theft, delayed delivery, and consequential losses for items not delivered correctly.

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Whilst a courier van insurance policy protects the driver and the vehicle, goods in transit cover the cargo on board (goods and products).

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Additionally, goods in transit cover often come with £10m of public liability insurance and £5m of employers’ liability insurance – handy protection against the risks you and any employees face while delivering goods.

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Typical items covered for couriers under a goods-in-transit policy include parcels, packages, newspapers, and letters.

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Cover for up to £25,000 per load is available, with individually listed items also covered up to £1,000. The driver’s own personal effects can also be covered up to £200.

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How much do goods in transit cost

The cost of goods in transit cover varies depending on the volume of items you transport and the radius you operate in. Typically, cover will cost around £200 per year (including insurance premium tax public liability, and employers’ liability cover).

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Fleet goods in transit policies are also available. Speak to us on 01323 416706 for details of your fleet and to get a quote.

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Courier insurance encompasses the different types of insurance you need to carry out work as a courier. The term is often used to refer to courier van insurance.

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Goods in transit cover specifically refers to protection for the goods you are transporting.

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Optional Extras

Public Liability

Whilst in many instances your business motor insurance policy will cover damage or injury to third parties whilst using the vehicle, there are many instances where your business will bring you into contact with the public outside the everyday use of the vehicle.

 

For instance, whilst loading or unloading, making a delivery to premises and access by the public to your business premises.

In such circumstances, Public Liability cover will protect you against injury to persons or damage to property caused by you whilst carrying out your business activities.

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A Public Liability policy will protect you against the costs of compensation to be paid out as well as the legal expenses incurred during the claims process.

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Employers Liability

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If you are unsure whether you are required to carry Employers’ Liability cover you should seek professional advice. Further information can be found at http://www.hse.gov.uk/pubns/hse40.pdf.

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If you are an employer, you are legally obliged to have employer liability insurance. You can be fined up to £2,500 for every day you do not have appropriate insurance.

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Employers’ liability insurance covers the cost of compensation and any associated legal fees.

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Is it required as a contractor?

Some of the larger networks such as DHL, TNT, and Parcelforce may require you to have this cover in place before you can commence work. You should seek advice on whether you need this cover with your employer.

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How much employer liability cover do I need?

Under the terms of the Employers’ Liability (Compulsory Insurance) Act 1969, you are required to have a minimum indemnity limit of £5million.