What is courier insurance?

Courier insurance is what you need if you drive a van to carry other people’s goods or materials in return for payment. AXA’s courier van insurance is designed to protect all type of light haulage work – from furniture removers and leaflet distributors to delivery drivers and more.

Why choose AXA’s comprehensive van insurance for couriers?

Choose AXA’s courier van insurance, and you’ll automatically get comprehensive cover – the highest level of protection we offer.

With 5-Star Defaqto van insurance, a 10% online discount and up to 60% no claims discount, you’ll get all the protection you need to do your job. You’ll get:

Accident

Accident recovery

You can call out our AXA-approved repairers to:

  • Repair your vehicle or damaged windscreens by the road
  • Provide lifetime guaranteed repairs, for as long as you own your van
  • Flush your tank if you use the wrong fuel
  • Refit damaged locks, or replace lost or stolen keys
van

Guaranteed courtesy van

While your van is in for repairs at an approved garage following an accident, you’ll also get a courtesy van (C1 class) for the duration of the time it takes to fix it.

satchel

Protection for your valuables

Cover for built-in music, navigation and entertainment equipment in your van. If they’re lost or stolen, we’ll pay towards replacing them. Plus, we’ll put £250 towards the cost of any other personal belongings lost or damaged while in your van.

Do I need courier insurance?

If you use your van to pick up and/or deliver goods which aren’t your own (whether it’s to one destination or multiple locations) then normal business use isn’t suitable for you. You’ll need what is called ‘hire and reward’ use instead, which is included as standard when you buy AXA courier van insurance.

It’ll provide you with the right cover to carry other people’s goods and materials from one place to another. If you’re involved in occupations like parcel delivery, light haulage, mail order delivery etc – then this is what you’ll need.

 

Frequently asked questions

Will my policy include cover for the things I am carrying

No. It won’t include goods in transit insurance. If you want to insure these, or get cover for the tools and equipment you use for work, then take a look at our business insurance page.

Will my policy include public liability insurance?

No, it won’t. Public liability insurance can protect your business against claims to cover damages and legal costs that people may make against your business. It isn’t covered by our van insurance policy, but you can learn more about what we have to offer on our public liability page.

What’s the difference between courier and haulage insurance?

They don’t make any difference to your AXA cover or policy. If you’ve got questions relating to your specific policy, then get in touch with us on 0330 159 1521 and we can chat you through your options.

What can I add to my AXA courier van insurance?

Increase your protection with these add-ons.

legal services

Legal assistance cover

Up £100,000 cover for legal expenses, to help you claim compensation for ‘uninsured losses’ – if you’re in an accident that’s not your fault.

(Uninsured losses are ones that aren’t covered by your policy, like policy excess, personal injury, loss of income or damage to property in your van.)

If you’re prosecuted for an event related to using/owing your van, we will cover your legal fees and give you access to confidential legal advice, 24/7.

Breakdown

Breakdown cover

With breakdown cover, AXA will pick you up and get you back on the road. Choose from three levels of coverage: AXA Roadside, AXA Rescue or AXA Rescue and HomeStart.

Trailer

Trailer cover

If you need to tow a trailer attached to your van, our van insurance will offer you the minimum cover you need to do this legally.

With our trailer cover add on, we’ll increase your cover to insure you for loss or damage to a trailer attached to your van – if the trailer is worth less than £5,000.

Can I get AXA courier van insurance?

We do as much as we can to make it easy to get a quote online.

However, we won’t be able to insure your van if you or any of the drivers of your van:

  • Aren’t aged between 25 and 75
  • Don’t hold a full UK driving licence
  • Aren’t a permanent UK resident
  • Have had any previous insurance policy declined, cancelled or declared void

If you or any principals, partners or directors of your business have been:

  • Declared bankrupt or been subject to any bankruptcy proceedings or any form of insolvency/winding-up procedures
  • Prosecuted or served prohibition order under health and safety legislation
  • Disqualified from a directorship of any company

If you’re not sure you meet the criteria, don’t worry – we may still be able to help you.

Call us now on 0330 159 1521

Policy documents

Find out more about AXA Courier Van Insurance with sample policy wording and documents.


Van insurance questions

Answers to some of the most commonly asked questions about van insurance.

◆ We’re open Monday to Friday 8am to 8pm, and Saturday 9am to 2pm. Calls are charged at local rate and may be recorded or monitored.

1 Based on AXA van insurance claims between July 2018 and June 2019.

2 As long as we can trace and identify the driver.