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Delivery driver insurance

Join over 900,000 UK customers with public liability cover from £3.49 per month*

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  • Compare tailored insurance for delivery drivers from trusted brands

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Based on 39,782 reviews

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Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do claims work?
  • FAQs
  • Helpful articles

Why do you need delivery driver insurance?

A combination of heavy lifting, driving on the roads, and taking items to people’s homes creates a range of risks for delivery drivers at work. Public liability insurance can protect your business if someone is injured or you damage their property while doing a job. And stock cover is designed to protect you if you damage the goods you’re delivering. You'll need to organise vehicle insurance separately.

  • peace of mind, letting you focus on your business, not the what-ifs
  • UK-based claims team, award-winning and available 24/7
  • trusted by over 900,000 small UK businesses for flexible, tailored cover

Start your quote

What does delivery driver insurance cover?

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:

  • damage to someone’s property, caused by your business activities
  • illness or injuries as a result of your business
  • employees causing accidental damage or injuries

For example:

  • one of your employees causes extensive damage to your client’s property when reversing their van
  • your employee drops heavy equipment on your client’s floor, causing extensive damage

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your delivery driver business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury that happens as a result of working for you (including temps and casual workers)
  • an employee, including a contractor or casual labourer, suing you after falling ill because of working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • your employee injures their lower back while moving furniture at your premises and holds you responsible
  • an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
  • a member of staff trips over while unloading business equipment, injuring their knee

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

  • damage to (and loss of) stock, following fires, floods, or vandalism
  • theft of stock following a break-in
  • costs involved with replacing the stock you need to operate

For example :

  • someone forces entry to your business premises and steals from your stockroom
  • an important stock order falls from the back of your van and is never recovered
  • you’ve taken a stock delivery, which is stolen while you’re speaking to a neighbour

Read more about stock insurance

Business interruption insurance

In case something is stolen or damaged and you lose income.

What’s typically covered by business interruption insurance?

  • you can’t trade because of stock, contents, or building damage

For example:

  • your inventory is damaged and you lose income because you’re unable to sell
  • your work laptop is stolen or damaged and you can’t run your business

Read more about business interruption insurance

Business legal insurance

In case you’re hit with legal expenses connected to your business.

Claims against your business for:

  • costs and expenses for legal representation to recover debts or unpaid invoices
  • costs and expenses following identity theft
  • tax protection if there’s an investigation into your business

For example:

  • one of your clients is unhappy with your work and believes you haven’t met the contractual requirements – as a result they’re refusing to pay their outstanding invoice
  • your CEO’s contact details are used by a fraudster to set up a new line of credit with a business bank
  • HMRC is investigating your recent tax return as they noticed a fluctuation in your business income

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or away from work.

What’s typically covered by personal accident insurance?

  • compensation if you or an employee are injured in an accident, including weekly payments if you or they are unable to work for two weeks or more
  • virtual Medical Care service with unlimited 24/7 access to medical advice, consultations, referrals and prescriptions
  • 24/7 access to myStrength emotional health support app

You can buy this cover for:

  • yourself
  • your employees

For example:

  • imagine one of your employees breaks their leg in an accident and is out of work for six weeks. Personal accident insurance would provide £300 for the broken leg diagnosis. After the employee's second week off, you'd receive four weekly payments to assist with costs during their absence. You could use the money as you wish – whether for loss of earnings, hiring a temporary replacement, or compensating the injured employee.

What's not covered?

  • issues caused by sickness, illness, or disease
  • conditions that develop over time without a direct connection to an accident
  • mental illness, even if triggered by an accident
  • self-inflicted injuries
  • accidents that occur under the influence of drugs or misuse of medication
  • deliberate exposure to danger, except when attempting to save a life
  • injuries caused by taking part in a professional or semi-professional sport

Read more about personal accident insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does delivery driver insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £3.49 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

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*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

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How do insurance claims work for delivery drivers?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

The figure above is rounded across our range of products. "Settled" covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.

Chosen by 900,000 small businesses and landlords

We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.8/5

    Based on 39,782 reviews

  • Here to help

    Help from UK-based experts

  • 24/7 claims

    Make a claim any time

Delivery driver insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

    If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

  • An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Helpful articles for delivery driver businesses

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