Courier insurance

Courier Driver Insurance

Every other page here insures a vehicle. This one insures you. If you are an owner-driver or a subcontractor you have no sick leave, no employer behind you and no income the week you cannot work, and the policies that fix that are not the ones on your car. This is the cover that protects your earnings and your personal liability.

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Quick Quote

60 seconds

What do you drive?

What cover do you need?

Not sure is fine. We will talk you through what applies to your work.

Insured Name

The company, trust or individual name on the title or lease.

Property state

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No obligation. Subject to eligibility and underwriting.

Cover

What courier drivers need covered

Income Protection When You Cannot Drive

A broken wrist does not damage the van, but it stops the earnings completely. Income protection pays a monthly benefit while you are unable to work, and for a sole operator with no sick leave it is usually the single most valuable policy on the list.

Personal Accident and Sickness

Personal accident covers injury, and adding sickness extends it to illness, which is what most drivers actually lose weeks to. Benefit periods and waiting periods are the levers: a shorter wait costs more but matches the reality of having no buffer between shifts and bills.

Public Liability as an Individual

Most of what a courier damages is not their own. A dropped item, a scratched wall in a lift, a customer tripping over a trolley. Public liability responds to third-party injury and property damage, and many head contractors and platforms require you to hold it before they will engage you.

Cover Between Contracts and Vehicles

Subcontractors move between principals and sometimes between vehicles. Cover attached only to one vehicle or one contract leaves gaps whenever the work changes. Policies written around the driver follow you across the year rather than lapsing with a contract.

Certificates of Currency for the Work You Want

Larger freight contracts and platform onboarding routinely ask for evidence of liability and, sometimes, personal accident before you start. Having the certificate ready is often what decides whether you can take the work, so it is worth arranging before you need it rather than after.

Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.

5.0 from 250+ Google reviews

Reviews are for Stonewell Insurance, the business behind Courier Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).

FAQ

Courier drivers insurance questions.

Speak with our team on 1300 080 323.

What insurance does a self-employed courier driver need?

Public liability for third-party injury and damage, and something that replaces income if you cannot work, either personal accident and sickness or income protection. Those sit alongside the vehicle policy rather than replacing it. If you engage subcontractors, that adds further obligations worth talking through.

Do I need workers compensation if I am an owner-driver?

If you are a sole trader with no employees you generally cannot take out workers compensation on yourself, which is precisely why personal accident or income protection matters. If you take on workers or certain subcontractors, workers compensation obligations can arise, and the rules differ by state. Raise it with us and we will point you the right way.

Will income protection pay if I am sick rather than injured?

Income protection generally covers both illness and injury. A personal accident policy on its own covers injury only, so if illness cover matters to you, check that sickness is included rather than assuming it. It is one of the more common misunderstandings we correct.

Why do contracts ask me for a certificate of currency?

Because the principal wants evidence you carry the cover your contract requires, usually public liability at a set limit. It is a one-page confirmation from the insurer. We issue them for clients as a matter of course, and it is worth having on hand before a contract asks.

Related cover

Public liability All vehicles Vans

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Ready to get courier drivers covered?

Tell us what you drive in about 60 seconds and we come back to you with options.

Get my quote 1300 080 323

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).