Get quotes for Hire & Reward, goods in transit and public liability insurance for UK motorcycle couriers — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Two-wheel courier work carries a different risk profile from car-based delivery, both on the road and in the equipment you rely on. Here's what to plan cover around.
Motorcycle courier insurance is priced and underwritten differently from car-based courier cover, and standard motorcycle insurance won't cover paid delivery work at all — you need a policy specifically for motorcycle H&R use.
Frequent filtering, stop-starts and time pressure between drops are recognised risk factors for motorcycle couriers, and insurers will ask about your typical working pattern and area.
Protective clothing, panniers, top boxes and delivery bags aren't automatically covered under a standard motorcycle policy — check whether courier equipment cover is included or needs adding.
As with any courier work, Hire & Reward insurance covers your bike and third-party liability, not the parcels themselves — goods in transit cover protects you against the cost of items lost or damaged in your panniers or top box.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers you for carrying goods or passengers belonging to someone else for payment. Standard business use does not cover this — essential for couriers and taxi drivers.
Covers goods you're carrying against loss, theft or damage in transit. Limits and exclusions vary — check the policy carefully for fragile or high-value loads.
Covers injury or property damage to third parties arising from your business operations — separate from motor insurance.
UK and European roadside assistance. For sole traders relying on one vehicle, a breakdown without cover can mean a full day's lost income.
Required by law if you employ drivers. Covers employee injury claims arising from their work.
Covers legal costs for motoring prosecutions, contract disputes and debt recovery.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
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