Courier fleet insurance for all your vehicles

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What is courier fleet insurance?

Courier fleet insurance is designed for businesses that operate multiple vehicles for delivery purposes, whether local, regional, or nationwide. Eligibility is usually based on factors such as the number of vehicles, their use for courier work, and driver details. For more information, see our guide on fleet insurance requirements.

Policies can be tailored depending on the level of protection your courier business needs. The main cover options include:

Third-party only: Provides the minimum legal cover, protecting against third-party injury or property damage caused by your courier vehicles.
Third-party, fire and theft: Includes third-party cover plus protection if your courier vehicles are damaged by fire or stolen.
Comprehensive cover: Offers the highest level of protection, covering damage to your courier vehicles as well as third-party claims.

For courier fleets with multiple drivers:

Any Driver Policy: Ideal for courier businesses with flexible or rotating drivers, allowing any authorised driver to use any insured vehicle.
Named Driver Policy: Vehicles are assigned to specific drivers, helping improve control and potentially reduce premiums for courier fleets with consistent staffing.

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Courier fleet insurance covers multiple vehicles under a single policy, making it simpler and usually more cost-effective than insuring each vehicle separately. It gives you one renewal date, one point of contact, and one set of documents — saving you significant time and administration. If your business relies on vehicles, fleet insurance is an essential protection.

Courier fleet insurance is available for businesses with two or more vehicles, and there's no upper limit on fleet size. Whether you have two vehicles or two hundred, we can arrange a policy to suit you.

Yes — courier fleet insurance is designed to cover vehicles used for all types of delivery operations, including same-day, next-day, and scheduled routes. Whether you operate locally, regionally, or nationally, we can arrange cover that reflects the nature of your delivery business.

The goods themselves aren't covered under a standard courier fleet policy — you'd need a separate goods in transit policy for that. This is particularly important for courier businesses carrying third-party goods, as you could be liable for losses if items are damaged or go missing in transit. Our team can arrange both policies together.

Yes — one of the key advantages of a fleet policy is the flexibility to add and remove vehicles as your business changes. Simply contact our team and we'll update your policy and the Motor Insurance Database (MID) accordingly. There's no need to wait for your renewal date.

With an any driver policy, any driver can operate any vehicle in your fleet — offering maximum flexibility but usually at a higher premium. A named driver policy assigns specific drivers to specific vehicles, which is typically more cost-effective, particularly for smaller fleets where drivers consistently use the same vehicles. Our team can help you decide which suits your business best.

We're a broker, which means we arrange cover on your behalf with a handpicked panel of trusted insurers. You'll see exactly who's underwriting your policy before you commit to buying.

We've been arranging insurance for over 50 years — now trading as insurd — and we're authorised and regulated by the Financial Conduct Authority (Firm Register Number: 308508), and over a thousand real customers have shared their experiences with us on Trustpilot.

You can verify our status directly on the FCA register.

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