Third-party only
The legal minimum. Covers damage to other vehicles or property, but not your own van.
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What is courier van insurance?
Courier van insurance is a type of commercial motor insurance that provides van insurance for drivers who make multiple local deliveries, such as parcels, clothes, or takeaway food.
It protects you if your van is lost, stolen or damaged, and if you cause damage to another person’s vehicle or property.
You can also add goods in transit to protect the items you’re carrying, and many policies include or offer breakdown cover so you’re not left stranded.
Do I need courier van insurance?
Yes, if you’re paid to deliver goods or documents within a local area, you must have courier van insurance. For longer-distance jobs, you’ll usually need haulage van insurance instead.
If you only transport your own tools or equipment, you’ll need carriage of own goods insurance. Whatever you do, UK law requires you to hold at least third-party motor insurance before driving on the road.
How is courier van insurance different from standard van insurance?
Standard van insurance covers you for personal or business use, but not for making multiple paid deliveries. If you use your van to deliver goods for payment without courier cover, your insurer could refuse a claim.
Courier van insurance is designed for drivers who:
Make frequent local deliveries
Carry goods belonging to other people
Need hire and reward cover as part of their policy
If you’re delivering for work — whether it’s parcels, takeaway food or documents — you’ll need courier van insurance, not just a standard policy.
What level of courier van insurance do I need?
Just like car insurance, there are three main levels of van insurance cover:
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Third-party, fire and theft (TPFT)
Adds cover if your van is stolen or damaged by fire, lightning or explosion.
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Comprehensive
Protects your own van as well as covering fire, theft and third-party damage, even if the accident was your fault.
What’s covered by courier van insurance?
There are different levels of cover available to delivery drivers to protect their vehicle. However, no matter what level of insurance cover you choose, courier van insurance is only designed for certain activities.
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What’s covered
Multiple short-distance deliveries
Everyday, lower-value goods, such as parcels, clothes, or takeaway food
Collecting and dropping off goods from local businesses
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What’s not covered
Long-haul, single-destination jobs
Hazardous, dangerous or toxic materials
High-value goods such as jewellery or electronics (without specialist cover)
How much does courier van insurance cost?
The cost of a courier van insurance policy will depend on a number of different factors:
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Your age
Younger drivers generally pay more
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Driving and claims history
Past accidents or convictions increase costs
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Van type
Higher insurance group vans cost more to cover
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Your location
Premiums are higher in areas with more theft or accidents
How can I get cheaper courier van insurance?
Courier van insurance can be more expensive than standard van cover, but there are ways to reduce your costs:
Pay annually – monthly instalments often cost more overall
Increase your voluntary excess – if you can afford it, this lowers your premium
Build your no-claims discount – driving safely and avoiding claims makes future cover cheaper
Choose the right van – smaller, lower-risk vans usually fall into cheaper insurance groups
Improve security – adding alarms, immobilisers or trackers can cut costs
Compare quotes – shopping around helps you find the best deal for your needs
By making a few smart choices, you can bring down the cost of cover while staying fully protected.
What extras can I get with courier van insurance?
A basic courier van insurance policy can often be enhanced with a range of add-ons, such as:
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Goods-in-transit insurance
Protects the items you carry in your van
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Public liability insurance
Public liability insurance covers injury or damage caused while working
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Employers’ liability insurance
Employers’ liability insurance protects staff working for you
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Windscreen cover
For repair or replacement claims
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Legal expenses cover
Helps with disputes or claims
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Courtesy van cover
Keeps your business moving if your van’s off the road
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Our expert says…
Courier vans often deliver valuable items, rack up high mileage and get parked in busy areas during deliveries. This means they are high risk, and will therefore need a specialist courier van insurance policy rather than relying on standard cover.
Faith Archer Personal Finance Expert
How to compare courier van insurance quotes
Comparing courier van insurance quotes with MoneySuperMarket is quick and easy
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Enter your details
Just tell us a bit about you, your van, how you will use it, and your driving history
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We’ll show you a list of insurance policies that match your needs from a range of providers in the UK
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Click to get covered
Find the insurance cover you want at the right price – then simply click through to buy your policy
Van insurance guides and expert tips:
Does courier van insurance apply to the self-employed?
If you’re being paid for delivering goods on a regular basis, then yes, you need courier van insurance. Otherwise, any claims you need to make could end up being rejected.
If the police catch you doing deliveries without the correct insurance, you may also be fined, issued with penalty points, and potentially even given a driving ban.
How does pay as you go courier insurance work?
With pay-as-you-go courier van insurance, you only pay for the miles – or hours – you do behind the wheel. It can therefore be a good way to reduce your costs if you only work part time as a courier, for example.
Can I get courier insurance with van hire?
Yes, some van hire companies offer packages including comprehensive courier van insurance. Just remember to check what is covered; for example, whether the insurance policy offers goods in transit cover or not.
Does food courier insurance exist?
Food delivery insurance generally falls under the category of courier insurance, but some insurers offer policies designed specifically for those delivering takeaway or fast food.
What age restrictions are there on van insurance?
Van insurance quotes are available for drivers as young as 17 years old. However, some insurers impose higher minimum age limits, such as 21 or 25, which can push up premiums for younger drivers. Check out our page on van insurance for young drivers for ways to cut the cost.
Will my job affect my van insurance premium?
Yes, your job and employment status have an impact on the cost of all types of motor insurance, including van insurance.
Can I take out courier insurance for my car?
Yes, you can take out courier car insurance to cover you for making deliveries in your own car. As with courier van insurance, you’ll usually be covered to make multiple deliveries, but only within the local area.
How do I know if I need courier or haulage van insurance?
As a general rule, couriers do multiple drop-offs in the same area, while hauliers drive a long way for a single delivery. However, all insurers have their own definitions, so check the small print if you have any doubts.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is van insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy van insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is van insurance eligible for Price Promise?
Yes, van insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 19 Dec 2025 by
51% of consumers could save up to £514.27 Consumer Intelligence , Oct 2025 Exc NI, CI, IOM
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Based on the median annual price by the number of days to policy start date for car insurance policies sold through MoneySuperMarket between August 2025 and October 2025.
Based on MoneySuperMarket quoted policies for annual car insurance, between August 7th 2024 and November 5th 2024
Based on MoneySuperMarket quoted policies for annual car insurance, between August 7th 2024 and November 5th 2024
Based on the average annual price of comprehensive policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of comprehensive policies sold through MoneySuperMarket in October 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket between August 2025 and October 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket between August 2025 and October 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket between August 2025 and October 2025.
Based on MoneySuperMarket quoted policies for annual car insurance, between July 25th 2024 and October 23rd 2024
Based on the car insurance policies sold through MoneySuperMarket between August 2025 and October 2025.
T&Cs apply to SuperSaveClub and Price Promise.
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in October 2025, with one driver who has held their licence for at least one year.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in October 2025, with one driver who has held their licence for at least one year.
Based on the median annual price of third party only car insurance policies sold through MoneySuperMarket in October 2025, with one driver who has held their licence for at least one year.
Accurate as of 19 December 2025.
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information