Courier Insurance

If you carry other people’s materials or goods in return for payment, you need to have courier insurance – basic car or van insurance will not provide the level of cover you need.

Good courier insurance is about protecting your client’s goods, whilst keeping your vans and cars on the road.

Great courier insurance enables you to have all vehicles on a single policy, with one renewal date, designed to save you time and money over individual vehicle insurance.

Courier cover can accommodate a mix of cars and vans to offer greater buying power and flexibility to insurance. Policies can be taken out in an individual’s or company’s name, with no age restrictions.

Looking for a more flexible policy? Speak to us about Pay As You Go courier insurance – it could save you thousands!

 

Main Features

We offer courier cover for a range of business sizes, from single vehicles to fleets. Fleet cover can include cars, vans, haulage, goods in transit and courier. Our comprehensive policies can include cover for:

  • Single vehicles
  • Your bespoke fleet from a mix of vehicles
  • Full EU cover (as well as Iceland, Norway and Switzerland)
  • Any age or driver profile (accident/convictions considered)
  • Quality network of cost-effective repairers
  • Courtesy car/van when your vehicle is under repair at an approved garage following an accident
  • A range of cover – Comprehensive, TPF&T or Third Party
  • Free breakdown cover
  • Windscreen repair
  • Cover for driver’s personal belongings
  • Goods in transit
  • Public and employers’ liability insurance
  • Uninsured loss recovery
  • Legal assistance
  • Protected no claims discounts
  • Interest-free monthly payments
  • 24-hour emergency helpline

The standard package offers other benefits such as free breakdown cover, free courtesy car and full European cover.

 

Helping you find the right insurer

At Flint Insurance, we understand that selecting precisely the right insurance from the right provider can be a complex and daunting task. Our specialist commercial advisors are on hand to guide you through each step and find an insurance quote and policy that is right for you and your business.

We will assist you to make the buying process as easy as possible, as well as help and advise throughout the life of your insurance. Our brokers will interact on your behalf with a panel of market leading, highly established and secure courier insurance and commercial motor industry leaders. We will find you the best policy for your needs, tailoring the cover to exactly meet the size and needs of your business.

Once cover is in place, we will continue to provide help and advice throughout the life of your insurance. For example, to ensure you get the most from your insurance, we offer specialist advice on Risk Management and insurance telemetry products and policies.

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Speak to our brokers today

Call us today and speak directly with a member of our specialist broker team. They will take a few details, speak to you about your situation before seeking courier insurance quotes from a range of insurers on your behalf. The same broker will assess the quotes before recommending a policy to you that strikes the balance of cover and affordability.


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    Within our office hours, we endeavour to contact you within 15 minutes of your requested time.

    Contact us

    Call us on 0800 021 4502 and one of our team will be more than happy to help.

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    Why you should talk to Flint

    Flint Insurance is a trusted, experienced and independent insurance broker. As an insurance broker, we do not underwrite our own insurance products – we work with a panel of carefully selected quality insurers to secure the best possible insurance policies for our clients.

    Select Flint insurance and benefit from:

    An expert broker – to research and advise on exactly the right commercial cover for your business. A hassle-free process for you.

    A free service – using Flint to find and broker your insurance does not cost you or your business.

    A tailored service – the insurance cover and policy are tailored to your business’s needs.

    A single policy – a single courier insurance policy to cover all your vehicles and drivers. A policy with the same date for inception and renewal. You will see the financial benefit from economies of scale.

    Administrative ease – the administrative process for you as a business is more manageable and economical when handling a single courier insurance policy.

    Claims management – If you need to claim, we will manage the claims process on your behalf, negotiating directly with the insurer.

    There is no huge call centre or push to sell you a particular product, as you might experience by talking directly to some insurance companies. With Flint, you deal with an experienced insurance advisor who considers your risk and evaluates this against a wide range of options to find the best solution for you and your business.

    Whether you are a sole trader or a large corporation, Flint seeks to understand your unique business needs and make expert recommendations for your insurance cover. Experts in our field, we work with trusted insurers, keeping up to date across the market to secure comprehensive cover at the best rates.

    Regulated by the Financial Conduct Authority (FCA), Flint Insurance is proud to represent your business interests as our primary concern, finding you the best courier policy options and insurance quotes to suit your individual business. We can secure you the most favourable insurance rates based on established partnerships with major insurance firms. Moreover, there will never be a cost to you or your business to access our expert broker services.

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    How to minimise your insurance costs

    At Flint Insurance, we understand how important it is to balance your business costs with protection for your business. That is why we make it our aim to help you to minimise your insurance costs whilst ensuring you have the best cover for your business needs.

    As part of our Claims and Risk Management Serviceour specialist advisors can help you to achieve this in several ways:

    • Understanding your businessAs specialists of over 30 years in commercial motor, fleet and courier insurance, we are able to work with you to understand your business in minute detail. We will review past performance and historical claims to spot apparent trends. This process enables us to tailor your insurance policy, ensuring that you are only paying for the cover that your business needs.
    • Helping you to understand your insuranceYour job is driving a successful business, not being an insurance expert. By trusting in our expertise in the insurance sector, we will ensure that you have all the information you need to make the right decisions to protect your business. Your advisor will provide you with clear explanations of your insurance policy. They will also answer any questions you have so that you understand precisely what is covered and how.
    • Risk managementOur insurance advisors can make suggestions for strategies or policies that you could put in place to help reduce or manage risks within your business. As experts in Risk Management, our highly trained staff can provide professional advice on a wide range of driving initiatives designed to help you reduce your claims. For instance, running a compliant van fleet, utilising dashcam technology, vehicle telematics and vehicle trackers, together with risk mitigation and claims control – will help reduce the risk to your business. In turn, the cost of your insurance premiums will decrease.
    • Claims managementBy supporting you to limit or stop the need to make a claim against your business insurance, your risk profile drops. In turn, this makes it possible to secure the lowest insurance premiums for you.

    If you do need to claim

    In the unfortunate event that your business needs to claim against your fleet insurance policy, our claims executives will negotiate the best possible settlement on your behalf.

    Our specialist motor fleet service will provide you with:

    • 24/7 claims reporting
    • Management of any outstanding claims from previous policies
    • Regular claims review and reporting, meaning no surprises at policy renewal
    • Reserve and claim settlement reviews
    • Free uninsured loss recovery
    • Non-fault hire (using like for like vehicles)
    • Personal injury recovery (non-fault claims – drivers and any passengers)
    • Courtesy vehicles for fault claims for the duration of the repair
    • Nationwide garages who keep costs and vehicle off road times to a minimum

    As part of our comprehensive service to you, our claims experts are ready to deal with all claims from start to finish, ensuring the process is smooth and hassle free for you.

    The Flint Claims Management service gives you the peace of mind that your business is supported by commercial claims experts who have the knowledge and experience gained from dealing with minimal losses to large catastrophes.

    Additionally, the understanding we have of your business helps us to better support you throughout a claims process. We work hard to ensure that any loss has as little impact on your business as possible, and that you can continue with business as usual. Where a claim is necessary, we are always the advocate of our clients.

     

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    Questions you might have

    I drive a van - is it better to have van insurance of courier insurance?

    Flint can provide you with either van insurance or specialist courier insurance but be careful to check the cover and any exceptions.

    Van insurance policies are often cheaper than courier policies; however, they do not automatically cover you for courier activities (this is because courier tasks are deemed a higher risk by the insurance providers).

    Please, make sure to speak with us about your situation and van usage. This is because an existing van or car insurance policy most likely not provide the necessary extra cover for undertaking courier activities.

    Do you provide courier car insurance?

    Yes. We don’t just provide cover for vans – if you are using a car for your deliveries, please ask us about ‘courier car insurance’ as it will suit your needs. Our insurers can provide cover for a single car, mini fleets all the way to large 400+ vehicle fleets. We can provide policies to cover cars, vans and haulage vehicles.

    How many vehicles can I cover using courier insurance?

    Flint can provide you with courier insurance for single vehicles through small fleet insurance policies of 2-5 vehicle policies, all the way up to policies that provide cover for up to 400 vehicles. For fleets with more than 5 vehicles, please speak to us about Motor Fleet Insurance.

    Can anyone drive the vehicles?

    Yes. Most policies are arranged on an ‘Any Authorised Driver’ basis. This means that anyone who holds the necessary driver’s licence can drive the vehicles – so long as they have the insurance proposer’s permission. This classically applies to family members and sub-contractors. However, it’s important to remember that the onus is on the insured to carry out the usual driving licence and DVLA checks for convictions.

    By placing restrictions on who can and cannot drive the insured vehicles, the cost of the courier policy can be reduced. For example, only allowing people over the ages of 25 with clean driving licences to drive your vehicles would reduce the cost of your insurance premiums.

    On some occasions, we will need to ask for a little more information on the insured drivers. This is if the insurance underwriter needs to know more details about the drivers on the policy and any motor convictions. Our brokers will advise you if the insuring underwriter requires more information to provide a quote and policy.

    When will the cover start?

    Once a specialist advisor has spoken with you and researched the best courier insurance quotes for your business, we will move quickly to confirm the insurance coverage options. When we have mutually agreed on the best policy for you, we will action the insurance provider’s policy and confirm the cover with you. Once we provide you with the confirmation, you/your business will have immediate insurance cover.

    How long are the insurance quotes valid for?

    The majority of insurance quotes from Flint are valid for 30 days. However, the validity period can vary across both insurers and the quotes provided. We will confirm the validity period when we provide you with a quote. Beyond the validity period, a reassessment of your insurance needs will need to be carried out, and a new quote established. The new quote may differ from the original, depending on changes within the insurance market.

    What levels of insurance cover can be provided?

    Just like normal car insurance, we offer three basic levels of courier insurance:

    • Third party – is the minimum level of cover to drive in the UK legally. Third party insurance covers your fleet for liability of injury to others (including passengers) and damage to third party property.
    • Third party, Fire and Theft – provides mid-level of cover to your vehicles. Third party, Fire and Theft cover offers additional cover for fire damage to your vehicles, theft of your cars and for damage to your vehicles caused during a robbery.
    • Comprehensive – provides the maximum level of cover. In addition to Third party, Fire and Theft, Comprehensive insurance provides cover for damage to your fleet vehicles if they are involved in an accident or incident, loss or damage to personal effects and, medical expenses for anyone involved in an accident or incident involving your vehicles.

    Can you cover vehicle contents?

    Yes. As part of the insurance policy, we offer ‘personal effects’ cover for the driver’s personal belongings. Please note, personal effects only covers the driver’s belongings; it does not provide cover for your client’s goods in the vehicle or ‘goods in transit.’

    Please ask us about ‘goods in transit‘ vehicle contents cover and ‘public liability insurance‘ when you speak with our advisors.

    Do I need “goods in transit” insurance?

    Yes. If you are carrying a client’s goods for payment, you will require ‘Goods in transit‘ cover. ‘Goods in transit’ policies provide essential cover for stock collection and protection for business deliveries.

    Do I need cover for “public liability” insurance?

    Yes. As you are carrying goods in exchange for payment, you will need ‘Public liability insurance‘ to protect you/your business against damage and legal claims against you.

    Most insurers offer public liability cover – make sure this is included in your courier policy. Our team will talk you through the requirements and costs/benefits of cover.

    Can I use NCD when moving on to a fleet policy?

    Yes. The No Claims Discount (NCD) usually comes into play when setting up a courier policy for the first time. As long as the vehicle you drive forms part of the cover – you can use your personal no claims discount.

    How do I buy courier insurance?

    Courier insurance policies vary widely, so please speak to our advisors about your situation and needs. Several types of cover will need to be assessed and blended into your policy.

    To select an insurance policy and quote that fits your needs, we need to speak with you to answer a range of important questions about you and your business. A member of our specialist commercial broker team will spend time talking to you to assess your unique insurance needs.

    You can contact us via telephone on 0800 021 4504 (9:00 am to 6:30 pm Monday to Thursday, and 9:00 am to 5:30 pm on Friday). Alternatively, fill out the form on this webpage, and we will be pleased to call you back at a convenient time for you.

    Do you offer price matching for cheaper quotes?

    If you already have a quote from another courier insurance provider, please share this with us and ask us for a competing quote. As an insurance broker, we can negotiate rates on your behalf from a wide panel of UK insurers, often at preferable rates. We will endeavour to find you the same policy cover at a lower price.

    Can Telematics/Cameras save me money on my insurance premiums?

    Yes, as long as telematics and camera systems are used in the right way. Flint Insurance recommend the use of telematics equipment to monitor driver behaviour. We also recommend couriers use in-vehicle cameras to establish who is at fault and prevent fraud. Good driving will ultimately reduce the number of motor claims and the associated cost of the insurance policy.

    Can I use my vehicle for social, domestic and pleasure?

    Yes. Your courier insurance policy extends to cover the use of your work vehicle for holidays or at home.

    Does my policy include a driving other cars extension?

    No, unfortunately not. A private car policy will usually cover you to drive, say a neighbour’s vehicle, on a third party basis; this cover does not apply to courier insurance.

    What vehicle information needs to be supplied?

    The cost of insurance premiums can vary significantly. The insurance firms providing the courier cover need to understand your business and operations. They need to know its size, the number and type of vehicles and drivers it uses, its trading nature and the risks it faces.

    Before they can quote, the insurance underwriters will want to know: the number, type and age of your vehicles, as well as the number of drivers, the mileages they drive, the nature of the job and any motor convictions. It is advisable to gather this information before you speak with us.

    Call us on 0800 021 4502

    9:00am to 6:30pm
    Mon – Thurs
    9:00am to 5:30pm
    Fri