Courier Car Insurance
Most car-based couriers are driving on a policy that will not pay. Private comprehensive cover almost universally excludes carrying goods for hire or reward, and the exclusion is not obscure fine print, it is the clause insurers reach for first when a delivery driver claims. This page is about closing that gap.
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What courier cars insurance covers
The Exclusion That Catches Most Drivers
Read the general exclusions on any private motor policy and you will find carrying goods or passengers for hire, reward or payment. Once you take money to move something, the policy you bought as a private motorist is no longer the policy you need, regardless of how careful a driver you are.
Getting the Use Description Right
The fix is not a bolt-on. It is being rated for business use with the carriage of goods declared, which means telling the insurer what you carry, for whom, how far and how often. It costs more than private cover and it is the difference between a paid claim and a declined one.
Your Own Injuries Are a Separate Question
Motor cover deals with the car and with third parties. It does not replace your income if you are hurt and cannot drive. For an owner-driver with no sick leave, personal accident or income protection is often the more urgent purchase than a lower motor excess.
Goods in the Boot
Parcels in your car are not your contents and not part of your motor cover. If a load is damaged in an accident or taken from the vehicle, goods in transit is what responds. On a car the limits needed are lower than a van, which usually makes the section inexpensive.
No Claim Bonus and Excess Structure
Courier work means far more kilometres and far more time in traffic, so the statistical chance of a claim rises even for a good driver. It is worth deliberately choosing where the excess sits and understanding what one at-fault claim does to your rating, rather than defaulting to the lowest premium.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.
Reviews are for Stonewell Insurance, the business behind Courier Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
Does my normal car insurance cover courier work?
What happens if I claim without telling my insurer I do deliveries?
Is courier car insurance much more expensive?
Can I insure the car for courier work only part of the time?
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Courier Cover is a trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).