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Tide Logo
Tide Logo
Tide Logo

COURIER INSURANCE

Insurance for couriers and delivery businesses

Get cover against accidents on the road, damage to goods in transit, and liability claims – so you can keep deliveries moving with confidence. Coverage starts from as low as £6.22 per month*.

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Tide Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FRN: 1040067)

*Prices shown are for basic coverage. You will get your actual price once you complete a quote. Eligibility Criteria and T&Cs apply.

Tide Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FRN: 1040067)

*Prices shown are for basic coverage. You will get your actual price once you complete a quote. Eligibility Criteria and T&Cs apply.

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Why is business insurance important for a courier?

Business insurance protects you from the everyday risks that come with life on the road. As a courier, those risks are real and regular. The right cover means a single incident doesn’t turn into a serious financial problem.

Common risks courier insurance can protect you against include:

  • Accidentally damaging a parcel or consignment while in your care.

  • A member of the public being injured as a result of your delivery activities.

  • Legal costs if a client claims a loss was caused by negligence on your part.

  • Theft or damage to your vehicle, equipment, or cargo.

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Essential courier insurance coverage and what it covers you for

Courier work comes with its own set of risks. Here’s the cover that matters most for your business.

Goods in Transit Insurance
Covers the cost of replacing or compensating for goods that are lost, stolen, or damaged while in your possession. As a courier, the items you carry are your responsibility from collection to drop-off. If a fragile package is damaged en route or a parcel goes missing, goods in transit cover means you’re not left footing the bill.
Public Liability Insurance
Covers compensation and legal fees if a member of the public is accidentally injured or their property is damaged as a result of your work. For couriers, this might mean someone trips over a sack trolley you’ve left in a doorway during a delivery, or you accidentally knock over a customer’s fence post while reversing onto a driveway.
Employers' Liability Insurance
A legal requirement if you employ anyone, including part-time or temporary staff. It covers compensation costs if an employee is injured or becomes ill because of their work for you. If a driver on your team injures their back loading or unloading cargo, or is involved in an accident during a shift, employers’ liability cover protects both them and your business.
Tools and Materials Insurance
Protects essential items like a hand truck and delivery scanners against theft, loss, or accidental damage, so a broken or stolen piece of kit doesn’t bring your working day to a halt.

How much does courier insurance cost?

Your premium is calculated based on several key factors:

Your trade

The inherent risk level of your courier activities, including the types of goods you carry and the distances you cover.

Level of cover

The liability limits and total value of equipment you choose to insure.

Staffing

The number of drivers or employees you have working for you.

Location

Where your business is primarily based and the regions you operate in.

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Get courier insurance in just a few steps

  1. Select your policy cover(s)

  2. Tell us about your business

  3. Quote and purchase your policy

  4. Download the app to view and manage your policy

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What do I need to get courier Insurance?

Getting a business insurance quote at Tide is simple – you just need some basic information about your business to get started. 

Business details like name, address and type

Size of your team

Annual revenue

Your business’s financial background

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Useful articles for couriers

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Courier Insurance FAQs

There is no single legal minimum for couriers, but most clients and contracts require at least £1 million in public liability cover. Many in the industry opt for £2 million or more, particularly if they are delivering to commercial premises or handling high-value goods. Check any contracts you work under, as they will often specify the minimum level required.

Standard car or van insurance will not cover you for courier work. If you are being paid to carry goods, you will need hire and reward insurance as a minimum. Public liability cover is also strongly recommended, as it protects you if a third party is injured or their property is damaged during a delivery. Even if it is not a legal requirement, most platforms and contracts you work under will expect you to hold it.

Yes. Goods in Transit cover through Tide is designed to protect parcels and consignments you carry on behalf of clients, whether you’re working for one business or several. Make sure the level of cover you choose reflects the maximum value of goods you might carry at any one time.

Once you have completed your application and signed up, you will receive your policy documents instantly. There is no waiting period – your cover starts straight away.

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Tide Platform Limited (Tide) designs and operates the Tide website and app. Tide is not a bank. Tide is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 under firm reference number 900843 for the issuing of electronic money and the provision of payment initiation services and account information services under the Payment Services Regulations 2017. Tide is also authorised and regulated by the Financial Conduct Authority in relation to its credit and insurance broking activities (firm reference 718743). Tide is incorporated and registered in England and Wales with company number 09595646 and registered office at 4th Floor The Featherstone Building, 66 City Road, London, EC1Y 2AL. Tide offers bank accounts powered by ClearBank® Ltd (ClearBank) (account sort code is 04-06-05). ClearBank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 754568. Eligible deposits with ClearBank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. For further information visit Home. ClearBank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 754568). Registered Address: ClearBank, Level 27, The Broadgate Tower, 20 Primrose Street, London, United Kingdom, EC2A 2EW. Eligible deposits held in the Tide Business Current Account (powered by ClearBank) are covered by the Financial Services Compensation Scheme (“FSCS”) subject to eligibility. All eligible deposits at the same bank are aggregated to determine the coverage level for each depositor up to £120,000, therefore if you have any other product/services with ClearBank these will be aggregated. To find out more and to check your eligibility please visit: About us . Some of Tide’s members also hold e-money accounts powered by PrePay Technologies Limited (PPT) (account sort code is 23-69-72). PPT is an electronic money institution authorised by the FCA under the Electronic Money Regulations 2011 under firm reference number 900010 for the issuing of electronic money. PPT holds an amount equivalent to the money in Tide current accounts in a safeguarding account which gives members protection against PPT’ insolvency. Tide Cards may be issued by both Tide and PPT, who are licensed by Mastercard International for the issuance of cards. The issuer of your Tide card will be identified on your monthly card statement. Tide Capital Limited is an appointed representative of P1 Investment Services Limited which is authorised and regulated by the Financial Conduct Authority under firm reference number 752005 to carry out such regulated activities as are involved in the provision of Tide Investment Account. Seccl Custody Limited is the custodian of assets held in Tide Investment Account and is authorised and regulated by the Financial Conduct Authority (firm reference number 793200) and registered in England and Wales under No. 10430958. Registered office 20 Manvers Street, Bath BA1 1JW. Tide, the Tide logo, the Swell, and Do Less Banking are trademarks and trade names of Tide Platform Limited, and may not be used or reproduced without the consent of the owner.