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Help Centre

Courier Insurance

What is courier insurance?

Courier insurance means you’re covered to make deliveries in exchange for payment. Most van insurance products don’t cover this activity, so if you are a courier or delivery driver, you must make sure you are buying the right type of policy.

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What can I use my van for with a courier van insurance policy?

With courier van insurance from Tempcover, you can get insurance to use the vehicle for single or multi-stop deliveries as part of your job.

This is mainly aimed at multi-drop parcel delivery services, however in some instances, this will also include cover for food delivery services such as Uber Eats, Deliveroo, or Just Eat.

As with all temporary insurance products from Tempcover, what is and isn’t covered depends on the insurer that underwrites your policy. It’s important to double-check the policy wording before purchasing the policy to ensure you are covered to use your vehicle for a food delivery service.

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Will my policy include cover for the things I am carrying?

No, the goods you carry in transit are not covered under the courier van insurance policy. If you want cover for goods in transit, you will need to find a specific business insurance product elsewhere that provides that cover.

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What is the maximum gross vehicle weight you insure?

We can provide temporary courier insurance for commercial vehicles up to 3.5 tonnes.

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Can I insure more than one driver with a courier van insurance policy?

No, each of our temporary insurance products, including courier van insurance, are available for individual drivers. If you wish to purchase temporary courier insurance for a different driver, you will need to purchase another policy with the details of that driver.

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Can I get courier insurance for a car?

At this point courier insurance from Tempcover is only available on vans and commercial vehicles.

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Will standard ‘business use’ on your standard temporary van insurance policy cover my courier van?

No, while our temporary van insurance product will provide cover for many aspects of business such as driving to different locations, it will not cover you to deliver other people’s items for money. This means it is not the right cover for couriers.

For delivery drivers, you will need to ensure you buy temporary courier insurance to ensure you get the right cover for your needs.

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Will temporary courier van insurance cover taxi use or carrying passengers for payment?

No, temporary courier van insurance is designed to cover the carriage and delivery of goods, not passengers. To get insurance for taxi use or to carry passengers you would need to look elsewhere for taxi insurance or private hire and reward cover.

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Does courier van insurance cover hire vehicles?

Yes, you may insure a hire vehicle for the purposes of delivering goods for payment under our courier van insurance scheme. The van or commercial vehicle you hire must meet the criteria accepted by our insurers to get cover. This means that the vehicle must at least meet the following criteria:

  • Be valued between £1,500 and £40,000
  • Weigh no more than 3.5 tonnes
  • Be used for social, domestic and pleasure purposes or for your business including the carriage of goods for hire and reward purposes
  • Be taxed (unless you are using the insurance policy to obtain tax for the vehicle immediately after purchase)
  • No modifications, other than the addition of manufacturer’s optional extras; signage, roof racks, ply lining or interior storage etc. and those designed to aid disabled drivers

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