Motor Excess Insurance for Couriers and Delivery Drivers

 

What is motor excess insurance for couriers?

 

Motor excess insurance protection for couriers and delivery drivers reimburses you for the excess you must pay if you make a claim on your motor insurance. It covers accidents, theft, vandalism or fire as long as your main motor insurer insurer pays out and charges you your excess.

 

If you're using your vehicle for delivery/hire and reward, and you're hit with a £500 excess after an incident, your excess insurance from Total Loss GAP can pay that back, so you're not out of pocket.

 

Why buy Motor Excess Protection?

 

Motor Excess Insurance could protect your income if you're a courier or delivery driver involved in a road accident. Whether you're driving for Amazon, DPD, Evri, Deliveroo, or running parcels in your own van, one thing is constant: you're on the road all day, and the chances of something going wrong can be higher than most.   

 

If you claim your motor insurance policy, you'll usually have to pay the policy excess. That excess (both voluntary and compulsory combined) could be several hundred or even thousands of pounds, and that's where a Courier Motor Excess Insurance policy comes in.

 

Key Takeaway

Why should courier drivers seriously consider Motor Excess Insurance cover?

 

Couriers face higher accident risk than most drivers. Even if you drive safely, you're often on tight schedules, in traffic, and parking in awkward spaces. An excess claim could wipe out your day's or week's earnings.

This cover helps soften the blow and protect your income.

 

Who is Courier Motor Excess Protection cover?

 

This type of policy is designed for:

• Self-employed couriers using their own cars or vans
• Delivery drivers working for national or local courier firms but using their own vehicles
• Gig economy drivers with hire-and-reward insurance
• Businesses running small fleets or vans
• Food delivery drivers (e.g. Uber Eats, Just Eat)

 

What does courier motor excess insurance do?

 

In simple terms, it reimburses you for the excess you pay on your motor insurance if you make a successful claim. That means if your excess is £500 and you're involved in a fault accident or theft claim, you can claim that £500 back from this cover as long as the incident is eligible and within your policy limit.

 

It's beneficial for:

• Protecting your cash flow
• Avoiding large upfront repair costs and contributions
• Staying on the road and working
• Making it more affordable to increase your voluntary excess and reduce your annual motor insurance premium

 

Example:

• You've got a £500 total excess (compulsory + voluntary) on your courier motor insurance policy.
• You reverse into a post and need repairs.
• Your motor insurer agrees on the repair cost, but you have to pay your £500 excess.
• Once paid, you can claim this back through your motor excess insurance for courier use and receive a £500 reimbursement.

 

Key Features:

• Cover available up to £1,500 per year (limits of £250, £300, £500, £750, £1,000 and £1,500 are currently available)
• Multiple claims allowed, subject to policy limits
• Available for vans and cars up to 3.5 tonnes
• Suitable for hire & reward use
• Instant cover (14-day waiting period applies to new policies*)
• Accepted uses: courier, delivery, food delivery, parcel delivery
• Named drivers on the same motor policy are also covered

*Waiting period waived if

1. You are renewing a current Motor Excess policy with Total Loss GAP
2. You are buying the motor excess insurance within 14 days of the start date of your motor insurance
3. You have a current policy from one of the Aequitas Automotive brands (Total Loss GAP, EasyGAP or GAPInsurance123)

 

Eligibility:

• You must live in the UK, the Channel Islands, or the Isle of Man
• Must have valid comprehensive motor insurance in place
• The vehicle is used for courier/delivery/hire & reward purposes
• Vehicle must be under 3.5 tonnes GVW
• You (or the policyholder) must be named on the main motor policy

 

FAQs: Courier Motor Excess Insurance

 

1. Can I claim for multiple accidents?

Yes, you can make more than one claim in a year as long as you haven't exceeded the annual policy limit. For example, if you have a policy limit of £1,000, then you can make two claims of £500 each on the annual policy.

 

2. Does this cover include food delivery or gig work (e.g. Uber Eats)?

Yes, if you're insured for hire and reward use and meet the standard eligibility, this cover applies.

 

3. Is my van covered?

Yes, as long as it's under 3.5 tonnes of gross vehicle weight (to be counted as an LCV) and meets the standard terms.

 

4. Is there a waiting period?

Yes – 14 days for brand-new policies, but no waiting period if:

• You're renewing an existing policy
• You took out your main motor policy within 14 days
• You've bought any other policy from Total Loss GAP or its sister brands

 

What is a 'Waiting Period'? - This is the initial period for a new customer, during which the insurer will not accept claims for incidents that occurred during this time.

 

5. Can I transfer the policy?

Yes, the insurer will consider a request to transfer the policy during the term if it is a new vehicle that you have purchased. The policy cannot be transferred to another person.

 

Why courier drivers should seriously consider this cover

Couriers face higher accident risk than most drivers. Even if you drive safely, you're often on tight schedules, in traffic, and parking in awkward spaces. An excess claim could wipe out your day's or week's earnings.

This cover helps soften the blow and protect your income.   

 

Get covered in minutes.

You can buy online in under 3 minutes. Cover starts from as little as £28.99 per year and includes both compulsory and voluntary excess.

 

Get a quote for Courier Motor Excess Insurance now.»