Do I pay more for multi-drop courier insurance?

Premiums can be higher because many stops mean more exposure, but declaring your work correctly helps make sure a claim is not refused.

What goods in transit limit suits multi-drop work?

Choose a per-load limit that covers a full van of parcels, not just one drop, and check any minimum set by your contract.

Is multi-drop covered automatically?

Not always. Specify multi-drop when arranging cover, as some policies are rated for fewer deliveries per day.

Courier

Does courier insurance cover multi-drop work?

Most courier insurance can cover multi-drop delivery, but you need to declare it. Here is how multi-drop work affects your cover and what to check.

Most courier insurance can cover multi-drop work, but you must declare it when you arrange the policy. Multi-drop means many deliveries in a single shift, and insurers treat it as a distinct type of courier activity.

Single-drop and multi-drop

Single-drop couriers collect goods and take them to one destination, such as a same-day delivery. Multi-drop work involves dozens of stops in a single round, which is common with parcel networks and supermarket home deliveries.

Both sit within hire and reward courier insurance, but insurers rate them differently because the pattern of risk is different.

How multi-drop affects your cover

Declare multi-drop so your policy reflects the high number of daily deliveries.
Check your goods in transit limit suits a van full of parcels.
Frequent stops can raise risk: more time parking, reversing and leaving the van, so accurate disclosure matters.

Some contracts with parcel carriers set minimum cover levels you must meet. Failing to declare multi-drop, or under-insuring your load, could lead to a claim being refused.

Other things to check

Unattended vehicle terms: on a multi-drop round you leave the van many times a day. Check what the policy says about locking up between drops.
Public liability: walking parcels to doors brings more contact with the public and their property.
Drivers: if anyone else drives your round, make sure they are named or covered.

Getting courier insurance quotes

With Kompare you fill in a short form about your vehicle and the kind of rounds you do. A specialist FCA-authorised broker from our panel then contacts you about courier insurance quotes. Read how we work, or start on our courier insurance page.