Why do vehicle delivery drivers need insurance?

Damage to a vehicle while you're moving it could be costly for your business. Customers are trusting you to collect and deliver their vehicles with care, and if something goes wrong, the right cover can make a big difference.

Who needs vehicle delivery insurance?

Any business involved in collecting or delivering vehicles. Whether you move a single vehicle or several on a transporter, it's worth finding a policy that fits the way you work.

What are the benefits of vehicle delivery insurance?

The main benefit is cover for the vehicles you transport, but a policy can include more if you want it to. Liability cover and business interruption cover are often taken out alongside it, as well as cover for tools and equipment, and for accidents and injuries.

Motor trade

Vehicle delivery insurance

Vehicle delivery insurance for businesses that collect and deliver vehicles, including car jockeys and repossession agents: who needs it and what it covers.

If your business is collecting and delivering vehicles, your insurance needs to cover you to do that, as well as your liabilities to employees and members of the public.

The right cover lets a vehicle delivery business focus on the day-to-day work without worrying about every possible risk or loss.

Kompare helps delivery businesses find specialist motor trade cover. You fill in a short form and a specialist FCA-authorised broker from our panel contacts you to talk through your needs and quotes. You can read more on our motor trade insurance page or see how we work.

Who is it for?

Vehicle delivery cover can suit:

collection and delivery drivers
repossession agents
car jockeys and trade plate drivers

If you deliver parcels or goods rather than vehicles, our courier insurance page is likely to be more relevant.

What are the different policy types?

When you take out vehicle delivery insurance, you'll usually choose between two levels of cover.

Road risks

This often suits businesses based at home rather than at a fixed premises. It covers the vehicles in your possession when they're on the road, for example collecting a vehicle from one address and delivering it to another, or moving a vehicle from your garage to a driveway.

Road risks and premises cover

A combined policy is designed for businesses that operate from a premises rather than from home. It's also worth considering if you employ staff, keep stock or store customers' vehicles overnight.

Not sure which policy you need?

If you're unsure which type of cover suits your business, get in touch and we can help with any questions. The broker who contacts you can also explain the options before you decide.

Other motor trade roles

Many roles in the motor trade overlap. If you also sell, repair or recover vehicles, mention it when you fill in the form so your cover reflects the work you do. Our motor trade insurance page covers the full range of trades.

If you employ staff, you can read more about employers' liability cover on GOV.UK.