Courier Insurance UK 2026
Every courier in the UK who carries goods for payment must have hire-and-reward (H&R) insurance — standard road insurance is invalid the moment you start working. Getting the right policy at the right price is one of the most important decisions you will make.
The Four Types of Cover You Need
Hire & Reward: covers you to carry goods commercially (mandatory). Goods in Transit: protects the parcels if lost or damaged (often required by platforms). Public Liability: covers injury to third parties or property damage (recommended). Employer's Liability: required if you employ any helpers or sub-drivers.
How to Get the Best Quote
Use specialist courier insurance brokers rather than comparison sites — brokers can access exclusive schemes not available online. Always declare every platform you work for. Bundling H&R, GiT, and public liability with one insurer is typically cheaper than buying separately.
Common Mistakes
Working with standard van insurance (invalid for courier work — any claim will be rejected). Under-declaring annual mileage to get a lower premium (invalidates your cover). Not updating your insurer when you switch platforms. Assuming your platform's insurance covers you (it rarely does for accidents).
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