Specialist Courier & Logistics Insurance

Courier Fleet Insurance
One Policy. Every Vehicle.

Specialist fleet insurance for courier operators, logistics companies and multi-vehicle delivery businesses across the UK.

Whether you run three vans or three hundred, Aldium Insurance arranges courier fleet cover that puts all your vehicles, all your drivers and all your goods in transit under one policy — with one renewal date, one dedicated account handler and access to the specialist fleet insurance market.

Get a Fleet Quote 📞 0151 336 5881

3 to 3,000 vehicles Any driver policies available Hire & reward specialists FCA regulated independent broker

Request a Fleet Quote

One of our fleet specialists will contact you promptly.

What Is Courier Fleet Insurance?

One Policy to Cover Your Entire Fleet

Courier fleet insurance is a single hire-and-reward motor insurance policy covering three or more vehicles used for the commercial delivery of goods, parcels or packages.

Instead of arranging separate policies for each vehicle in your operation — each with its own renewal date, insurer and paperwork — a fleet policy consolidates everything under one programme. All your drivers, all your vehicles and all your goods-in-transit risk are managed in one place, with one renewal, one premium and one specialist account handler.

Courier fleet insurance is specifically underwritten for hire-and-reward operations. This is a critical distinction: standard commercial vehicle policies do not cover vehicles used to carry goods for payment, and using a standard policy for courier work can leave you with no cover at all.

Aldium Insurance is an independent broker with specialist fleet market access. We arrange courier fleet policies for parcel delivery operators, logistics businesses, same-day courier companies, food delivery fleets and multi-vehicle logistics contractors across the UK — from three vans to several hundred.

Definition

"Courier fleet insurance is a hire-and-reward motor policy covering three or more delivery vehicles under a single programme — combining vehicle cover, driver cover, goods in transit and liability into one policy with one renewal date."

3+Vehicles — minimum for a fleet policy

1Renewal date for your entire fleet

AnyDriver policies — no named driver lists required

20+Years arranging specialist courier fleet cover

Who We Cover

Courier Fleet Insurance for Every Type of Operation

We arrange specialist hire-and-reward fleet insurance for every kind of courier and logistics business.

📦

Parcel & Packet Delivery

Last-mile and multi-drop parcel delivery operators, including DSP contractors, subcontractors and independent parcel carriers delivering for national networks.

🚚

Same-Day Courier Fleets

Same-day and time-critical delivery businesses operating vans, cars and HGV's. Covering urgent freight, legal documents, medical supplies and business-to-business consignments.

🏭

Logistics & Distribution

Regional and national logistics contractors running mixed fleets for third-party distribution contracts — including pallet networks, consolidation depots and warehousing operations.

🍔

Food & Restaurant Delivery

Multi-vehicle food delivery operations — from restaurant-owned fleets to dark kitchen logistics. Covering vans, cars and e-bikes used for hire-and-reward food delivery.

💊

Medical & Pharmaceutical

Courier fleets transporting medical supplies, pharmaceutical products, laboratory samples and clinical waste under temperature-controlled or specialist handling conditions.

🛋️

Furniture & Large Goods

Two-person delivery operations and furniture logistics fleets. Cover for vehicles carrying high-value household goods, white goods and large-format items on named-driver or any-driver basis.

🏗️

Trade & Construction Logistics

Fleet cover for builders' merchants, plant hire companies and construction logistics operators running vans, flat beds and pickups for hire-and-reward haulage and site supply.

🚛

Haulage Fleets

Fleet insurance for haulage operators running HGVs, rigids, artics and curtainsiders on hire-and-reward contracts. Cover for single-operator hauliers through to multi-vehicle national haulage businesses..

📋

Contract Logistics Operators

Operators running dedicated or shared-user logistics contracts for retail, manufacturing and e-commerce clients. Cover structured around your specific contract obligations and service requirements.

What's Covered

Courier Fleet Insurance — Cover Levels Explained

Cover	Third Party Only	Third Party Fire & Theft	Comprehensive	Add-On Available
Third party liability (injury & property damage)	✓	✓	✓	—
Fire damage to vehicles	—	✓	✓	—
Theft of vehicles	—	✓	✓	—
Accidental damage to own vehicles	—	—	✓	—
Windscreen and glass cover	—	—	✓	—
Goods in transit cover	Add-on	Add-on	Add-on	✓
Public liability insurance	Add-on	Add-on	Add-on	✓
Employers liability insurance	Add-on	Add-on	Add-on	✓
Breakdown cover	Add-on	Add-on	Add-on	✓
Legal expenses cover	Add-on	Add-on	Add-on	✓
Personal accident cover	Add-on	Add-on	Add-on	✓

📦Goods in Transit	🤝Public Liability	👷Employers Liability	⚖️Legal Expenses
🔧Breakdown Assistance	🚗Courtesy Vehicle	👤Personal Accident	📍Fleet Telematics

Why Choose Aldium

A Specialist Fleet Broker — Not a Comparison Site

Courier fleet insurance is a specialist class of commercial motor insurance. It is not straightforward to place well — the hire-and-reward risk, driver management requirements, goods-in-transit exposures and fleet size all affect the policy structure and which insurers will consider your business.

Aldium Insurance is an independent broker, not a comparison website. We do not earn commission from recommending one insurer over another — we find the policy that is right for your operation and negotiate the terms on your behalf.

We have arranged courier fleet insurance for over 20 years, working with operators ranging from small owner-managed delivery businesses to regional logistics contractors running hundreds of vehicles. That experience means we know which insurers offer the best terms for your specific fleet type, and how to present your business to the market to achieve the most competitive premium.

Get a Fleet Quote

🔍 Whole-of-Market Access We are not tied to any insurer or panel. We approach the full specialist fleet market to find the right policy at the right price for your operation.	🚚 Hire & Reward Specialists Hire-and-reward fleet is our core business. We understand the underwriting requirements, know the right markets and can negotiate terms that a general broker cannot.
📋 Any Driver Policies We arrange any-driver fleet policies — meaning you set a minimum driver age and licence requirement rather than maintaining a named driver list. Ideal for operators with high driver turnover.	👥 Dedicated Account Handler One named contact who knows your fleet, your business and your history. Not a call centre. A specialist who manages your account from day one through to renewal and claims.
📈 Grows With Your Fleet Add vehicles mid-term with no fuss. Our fleet policies are designed to accommodate growth — whether you acquire two more vans or double your fleet in a year.	🛡️ Claims Support When a claim happens, we work on your behalf — not for the insurer. Our team manages the process to minimise downtime and get your vehicles back on the road.

FAQs

Courier Fleet Insurance — Frequently Asked Questions

What is the minimum number of vehicles for a fleet policy?

Most fleet insurance policies require a minimum of three vehicles. If you have fewer than three vehicles, you should look at individual courier van insurance rather than a fleet policy. There is no upper limit — we arrange fleet policies for operators with three vehicles and for those with several hundred.

What is the difference between courier insurance and courier fleet insurance?

Courier insurance (sometimes called hire-and-reward insurance) covers a single vehicle. Courier fleet insurance covers three or more vehicles under a single policy. Fleet insurance is typically more cost-effective per vehicle than arranging individual policies, and significantly simpler to administer — one renewal date, one premium, one insurer.

What is an any driver policy and is it right for my business?

An any driver policy allows any driver meeting a defined minimum criteria — typically a minimum age and minimum licence holding period — to drive insured vehicles without being individually named on the policy. This is ideal for courier operators with regular driver turnover, sub-contractors or shift-based operations, as you do not need to notify your insurer every time a new driver starts. Always check the precise driving conditions set by your insurer.

Can I insure different types of vehicle on one fleet policy?

Yes. We regularly arrange fleet policies covering mixed vehicle types — vans, cars, pickups and even light HGVs on a single policy. The rating will reflect each vehicle type, but having everything under one policy simplifies administration considerably. Very different vehicle classes (such as HGVs alongside cars) may occasionally be better served by two coordinated policies — we will advise on the most appropriate structure.

Does courier fleet insurance include goods in transit?

Not automatically — goods in transit cover is usually arranged as an extension to or alongside the fleet motor policy. It insures the goods your vehicles are carrying against loss, damage or theft while in transit. The level of cover needed depends on the value of goods you carry, the type of goods and whether your contracts impose minimum cover obligations. We can arrange goods in transit as part of a complete courier fleet insurance programme.

How much does courier fleet insurance cost?

Fleet premiums are calculated on the specific characteristics of your operation — fleet size, vehicle type, driver ages and experience, claims history, type of goods carried and operating area. As a guide, a well-managed fleet of 5–10 vans with experienced drivers and a clean claims record might attract better premiums per vehicle annually, though this varies significantly. Fleets with younger drivers, a claims history or specialist vehicle types will attract higher premiums. The best way to get an accurate figure is to speak to us directly.

Can I add new vehicles to my fleet policy during the year?

Yes. One of the key advantages of a fleet policy is the ability to add vehicles mid-term. Contact your account handler when a new vehicle joins your fleet and it will be added to the policy with premium adjusted pro-rata to the remaining policy period. We recommend notifying us before the vehicle starts operating — cover should not be assumed until confirmed in writing.

Do I need employers liability insurance as well?

If you employ any drivers or other staff — including part-time, zero-hours or casual workers — you are legally required to hold employers liability insurance with a minimum limit of £5 million. This applies even where employment is informal. Employers liability can usually be arranged alongside your fleet policy. Owner-driver operators with no employees do not require employers liability.

Can I get fleet insurance if my drivers are self-employed sub-contractors?

This is a common situation in the courier sector. Whether sub-contractor drivers can be covered under your fleet policy depends on the specific insurer and policy wording. Some fleet policies will accommodate this; others will not. This is an important underwriting question that we will address when approaching the market on your behalf — it is critical that this is correctly disclosed and covered.

What happens to my no-claims discount on a fleet policy?

Fleet policies do not operate no-claims discounts in the same way as personal motor policies. Instead, insurers assess your fleet's claims experience over the past three to five years — the loss ratio — and use this to rate the renewal premium. A well-managed fleet with a good claims record will achieve better renewal terms than one with frequent or severe claims. Fleet telematics can help demonstrate driver behaviour and support better premium terms.

Get Started

Speak to a Courier Fleet Specialist Today

Get independent advice and a competitive market quotation from a specialist who understands the courier and logistics sector. No comparison sites. No call centres. Just straight-talking expert advice.

Get a Fleet Quote

Call 0151 336 5881

🏢Independent Broker

📋FCA Regulated

🚚Courier Specialists

📞UK Based Team

🛡️Claims Support