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Self employed Courier Insurance

Why you need self-employed courier insurance

MultiQuoteTime is here to help by providing you with access to a free online comparison tool to provide you with multiple quotes fast. Quickly compare courier insurance options and find one that is best suited to your business needs. We have access to insurance for both, full-time and part-time drivers.

Standard Car Insurance is Not Sufficient

Driving a car without the proper insurance is the same as driving without insurance and can result in an unwanted IN10 conviction. Which will make it both difficult and more expensive to get future insurance. The insurance that you need is often referred to as hire and reward insurance. First step is to ask your current broker if they provide self-employed courier insurance as a top-up to your standard policy or failing that as a stand-alone policy. Self employed courier insurance and hire and reward are one and the same.

Standard Van Business insurance is Not Sufficient

Getting the right cover is just as important if you’re using a van, rather than your own car, to deliver parcels. Van policies themselves are intended for commercial purposes, but not necessarily for couriers. They’re a general policy, covering people who use their vans for work, such as plumbers, gardeners and builders, and don’t cover risks specific to those using their van to deliver parcels.

If you have a work van, you will most likely have a form of van commercial insurance to cover using your van for your business or trade, plumber for example. Again, this will not cover you for the delivery of items, example food or parcels. If you use a van, then you will need to take out a hire and reward van insurance if you intend providing delivery service

What does Hermes provide a courier?

For the part time courier, Hermes provides a wage that can be £10 to £15 an hour. They hire both full-time couriers who are their employees and self-employed couriers. The courier can provide their own delivery driver insurance policy, or Hermes will issue a policy of their own to the courier. The policy issued by Hermes is the minimum requirement of Third Party Only commercial hire and reward insurance. This does not come with the optional add-on of Goods In Transit. Because of that, the parcels being transported are not protected against being stolen, damaged or lost while being transported.

Employed and self-employed delivery drivers both need the same insurance

Regardless of being self-employed or employed, you will need courier insurance. If employed, your employer should provide the required insurance, but do check. If you are self-employed, contact your current insurance provider, as you may have an option of top up insurance to provide the required cover for delivery of goods on a multi-drop basis. 

What type of cover is available

You can choose from three different levels of courier cover depending on your needs;

Third-party (TPO)

TPO
Basic cover
Legal minium to drive in the UK
Will ony cover the other or third party
Provide no cover for your own vehicle.
Dues to the incease in claims in this category it may not always be the cheapest!

Third-party fire and theft (TPFT)

TPFT
More cover than basic TPO
Includes TPO
Will provide cover for theft ot fire damage to your vehicle
You are still responsible for covering your own costs

Fully comprehensive

Comprehensive
Top level
Includes both TPO and TPFT
Covers repair or replacemenet of you own courier vehicle

Which factors influence the cost?

Whilst most insurance use the same factors to determine the final price. Each insurance provider can apply different weights to these. We have listed the key factors below. Because each insurance company applies a different weight, it is always advised to get multiple quotes from a range of insurers to find the cheapest insurance for your individual needs and circumstances.

Age of driver and years behind the wheel.
Drivers driving history
Cost and age of the delivery vehicle
Level of cover required
Frequency of delivery
How your vehicle is stored when not in use
Area of the delivery service

Which types of vehicles are covered?

Self-employed courier insurance in the UK covers various vehicles used for delivery services, including personal vehicles listed below.

Scooters, mopeds and motorbikes
Vans
Cars
Trucks
Bicycles

How to compare Self-Employed courier insurance with MultiQuoteTime.co.uk

Comparing courier insurance for the self-employed with MultiQuoteTime is quick and hassle-free: 

Multiquotetime works in partnership with Quote Zone who provide a simple form which once completed is submitted to a specialist panel of brokers. These specialist brokers will provide you with a range of self-employed courier insurance quotes for your specific business requirements.

Complete the Form: details about you and the vehicle to be insured
Choose the level of cover: You can also add extras at this stage, such as public liability insurance.
Check prices: you could save £££’s

FAQ’s

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