Motor cover for courier and delivery vehicles

Courier and last-mile businesses may rely on vans, light commercial vehicles, cars or motorcycles for scheduled and on-demand deliveries. The insurer needs to understand how vehicles are used, delivery areas, driver arrangements and whether vehicles are owned, leased or supplied by contractors.

A commercial motor policy may cover insured vehicle loss or damage and liability from vehicle use, subject to its terms. The use for courier work should be declared; a standard private-use policy may not reflect a commercial delivery operation.

Information to have ready

• Vehicle list, values, accessories and modifications
• Delivery regions, annual distances and overnight garaging
• Employee and contractor driver arrangements
• Goods carried, security and claims history
• Existing cover for customer property or goods in transit

Motor and parcel risks are different

Motor insurance and cover for goods carried are separate. Depending on the business model, property, goods in transit or logistics liability policies may also be relevant. Insurance considerations include these separately and explain which terms insurers have offered.

Courier and delivery fleet insurance questions

What vehicles can courier fleet insurance include?

Depending on insurer appetite, courier and delivery fleets can include vans, utes, cars and other commercial vehicles. Vehicle use, delivery patterns, values, drivers and operating areas can influence underwriting.

Does commercial motor insurance cover parcels or customers’ goods?

Not automatically. Goods being carried can involve separate transit or liability exposures. The appropriate insurance depends on the business model and policy terms, so motor and cargo-related covers should be reviewed separately.

Can a growing delivery business use motor fleet insurance?

Potentially. Fleet eligibility and minimum vehicle numbers vary between insurers. See our motor fleet insurance page for broader information.

Information to prepare for a courier fleet insurance review

Useful information can include the vehicle schedule, vehicle ownership or leasing, driver arrangements, delivery radius, overnight garaging, annual usage, claims history and current insurance. If goods carried for customers are also being reviewed, provide details of the types and values of goods transported.

Courier businesses with multiple vehicles can review motor fleet insurance. Businesses using vans and light commercial vehicles can also see commercial vehicle insurance.

Next step

Review your motor insurance program

Tell us about your vehicles, drivers, operating areas and current insurance. We can help identify the information insurers need to consider terms for your business.

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