A delivery driver holds a stack of parcels and checks a clipboard while standing outside a van on a residential street.A delivery driver holds a stack of parcels and checks a clipboard while standing outside a van on a residential street.A delivery driver holds a stack of parcels and checks a clipboard while standing outside a van on a residential street.

Courier & Delivery
Driver insurance

We help safeguard your livelihood

  • Fast claims payments
  • No hidden fees
  • Prices from £9.38 per month*

What is Courier & Delivery Driver insurance?

We know being a courier or delivery driver means long days and late nights to keep the country’s packages moving.

If you're delivering for Amazon Flex or similar, you'll need Hire and Reward insurance for your vehicle, plus Goods in Transit and Public Liability cover for added protection.

We provide Goods in Transit and Public Liability insurance—but not Hire and Reward. If you need vehicle cover to stay legal on the road, our parent company Admiral can help here.

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Public Liability
Insurance

Protects against claims from third parties for injury or property damage

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Goods in Transit Insurance

Covers goods against loss or damage while being transported.

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Electronic Business Equipment

Protects your business tech used during delivery work, against theft or damage.

Icon of a document with award stars over it.
Public Liability
Insurance

Protects against claims from third parties for injury or property damage

Icon of parcels
Goods in Transit Insurance

Covers goods against loss or damage while being transported.

Icon of a toolbox with a wrench, hammer, and screwdriver.
Electronic Business Equipment

Protects your business tech used during delivery work, against theft or damage.

Insurance Cover Comparison

Feature
Goods in Transit
Public Liability
Hire & Reward

Cover for loss, theft, or damage to goods in transit

Damage to goods due to fire, accident, or attempted theft

Accidental injury to third parties

Accidental property damage

Legal use of vehicle for paid delivery

Third-party damage/injury while driving

Purpose

Protects packages/goods during transport

Covers third-party injury & property damage

Required for transporting goods for payment

We don’t sell this

Need help finding the right cover? Give our team a call—we’re here to help.

The information provided in this section is for general guidance only and highlights the typical features and differences between insurance products. Always refer to your individual Policy Wording, Schedule, and Statement of Fact for full details of what is and isn't covered

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Want to check the details?

Call our friendly South Wales team to discuss what you need.

Why Do Couriers & Delivery Drivers Need Insurance?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Covering the Risks on Every Delivery
As a courier or delivery driver, you're constantly on the move — handling valuable goods, entering private premises, and working under time pressure. Even if you drive carefully and handle packages with care, accidents and damage can still happen.

That’s why we offer Courier Insurance designed to protect your deliveries and your livelihood. Without it, you could face:

  • Claims for injury to the public while making deliveries.
  • Loss, theft, or damage to parcels and packages in transit.
  • And if you rely on tech for your rounds — like sat navs, phones, or tablets — our optional Electronic Business Equipment cover can help replace them if they’re stolen or damaged while you're on the job.

Protecting Your Business and Your Earnings
Whether you're self-employed or part of a small delivery team, one unexpected claim can lead to serious financial loss. Courier insurance helps cover compensation costs, repairs, or replacements — so your business stays on the road and earning.

How Much Does Courier & Delivery Driver Insurance Cost?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Courier insurance starts from £6.07* per month, and the price will depend on:

  • The type of goods you transport (e.g., documents, parcels, equipment).
  • Your claims history and how much coverage you need.
  • Whether you’ve added Electronic Business Equipment as an add on to your policy.

You can build a policy around the risks you actually face — with key covers like public liability, goods in transit and electronic business equipment to protect every aspect of your service.

Get a Quote in Minutes
No confusing forms or unnecessary extras — just the cover you need as a courier or delivery driver. Get a quote online in minutes and hit the road with confidence.

What are the Legal Requirements for Couriers and Delivery Drivers?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Public Liability – A Must for Third-Party Protection
While not legally required, public liability insurance is essential if you're delivering to homes, offices, or worksites. It covers you if you accidentally injure someone or damage property during a drop-off.

Goods in Transit – Protect What You Carry
Most clients expect you to be insured for the goods you're transporting. Goods in transit cover protects against theft, damage, or loss while parcels are in your care — especially important if you're moving high-value items.

Do You Need Van Insurance or Hire & Reward?
We don’t provide van insurance or hire and reward cover — but we offer the vital business protections that many self-employed couriers overlook. Add electronic business equipment cover if you carry essential kit or equipment as part of your delivery work.

A delivery driver in a hi-vis vest unloads cardboard boxes from a van, organising packages for drop-off on a residential street.A delivery driver in a hi-vis vest unloads cardboard boxes from a van, organising packages for drop-off on a residential street.A delivery driver in a hi-vis vest unloads cardboard boxes from a van, organising packages for drop-off on a residential street.

Insurance built around the needs of the UK’s small businesses

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Fast claims processing

If you need to make a claim, we've made it quick and easy, so you can get straight back to work knowing everything’s being taken care of.

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Top-rated Customer Service team

Our friendly South Wales-based team is here to assist you every step of the way. Give us a call to speak directly with our specialists, who are ready to provide the support you need.

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Everything in one place

Our easy-to-use online portal allows you to access your policy documents, manage payments, and make changes, all in one place and at your convenience.

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Zero hidden fees

Update your policy at any time with complete flexibility, and enjoy the peace of mind that comes with no penalty fees, no admin charges, and no hidden costs.

Couriers' insurance FAQs

*£9.38 is the price for a Public Liability and Goods in Transit policy for a single parcel delivery courier with £1,000,000 worth of cover. It is the equivalent of £112.53 per year when paying for the policy in one annual payment. Your quote will be personalised to your requirements and will reflect the risks you need to be covered against. The price is correct as of 24th Jun 2025.