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Insurance for Self-Employed Delivery Drivers

A Guide to Insurance For Self Employed Drivers

So, you’re setting up to become a self-employed delivery driver? One of the first things you’ll need to do is to get yourself a van. But before you can officially get on the road and start delivering, you need to obtain specialist courier insurance. As a self-employed delivery driver, it is essential to have quality insurance cover so that you, your vehicle and the goods you are transporting are protected.

The good news is that insurance is easy to get; with most companies offering straightforward quotations and same-day coverage, it is pretty quick and easy too.

Take the time to research policies while ensuring you maintain a quality level of cover; by doing this, you will also find that getting the right insurance can be relatively inexpensive.

This handy guide details the basics that you need to consider when researching and taking out courier insurance.


Perhaps, the most obvious type of insurance is commercial courier insurance. While that sounds quite basic, this cover usually provides more than just the bog-standard vehicle insurance, with most policies now noting “carriage of other people’s goods for hire and reward” on the policy certificate.

As a delivery driver, you will be on the road for most of the day, making multiple stops and often driving through highly populated areas. Therefore, insurance providers will consider you to be at a higher risk of having an accident and making a claim.

To streamline your outgoings, it is worth considering ways to reduce your courier vehicle insurance. 

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Goods In Transit Insurance

It is essential to get the proper coverage with hijacks and thefts from vehicles on the rise year-on-year. Ensuring your insurance includes cover for your goods in transit will help protect you. Better yet, you can usually add up to £20,000 of cover for just a couple of hundred pounds per year.

When taking out goods in transit cover on your insurance, it is crucial to know your insurance limits. To keep you protected, make sure you know your load limits; if you are caught out, this could cap or void any claims you may need to make. You will also want to find out if you are covered if goods are left in the vehicle overnight.

You may also want to check with your clients to see if you are covered under their policy.

As a self-employed driver, you’re responsible for your customers’ goods whilst they’re in transit – if they were to be damaged or go missing, no doubt they’ll hold you accountable. If your customer tells you that you are covered under their policy, make sure you get written confirmation and evidence of this so that you don’t have to foot a hefty bill to repair or replace your customer’s goods. Better yet, get coverage to protect yourself.

Public Liability Insurance

While the topic of insurance requirements may, at this point, feel a little daunting, this final insurance is important to protect you from large claims. A public liability policy will typically offer you cover for £2,000,000 per-incident.

While that sounds like an unnecessarily high number, you must consider that in an instance where you are delivering and do something that causes a member of the public to be injured, this level of cover is completely justified.

There is no need to panic, though, as this substantial cover should cost no more than a couple of hundred pounds a year. That being said, it is important to ask yourself this checklist of questions so that you can be confident that you are fully protected in the event of a claim.


Rest assured, if you have these three essential insurances, your life as a self-employed courier should be trouble-free. You may also find that showing evidence of these policies to your customers will demonstrate how professional and prepared you are!

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