Pay as you go Courier Fleet Insurance

Pay as you go courier insurance is a new way of insuring your vehicles – the policy and costs are based on your mileage. If you are driving fewer miles than previously, a flexible policy will work for you.

A flexible PAYG policy is worth considering – we’ve already seen some courier fleet operators reduce their premiums by 60%!

It depends on how much you drive.

Yes – If you are driving less than on your previous courier insurance policy, fewer miles are likely to reduce your risk. If you reduce your risk, your insurance premium should be lower. If you are driving less, consider a flexible policy for a cheap courier policy.

No – If you are still driving relatively high miles, then a ‘pay-per-mile’ type flexible insurance policy is less likely to work for your needs.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 019 5974 (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.

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.

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.

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

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.

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.