Courier Combined Goods in Transit and Liability Insurance

If you use your vehicle to deliver goods for customers then you will need our courier Goods in Transit, Public and Employers Liability insurance all under one policy with A+ rated cover.

Novas Insurance Goods in Transit Price Match
What our Courier Goods in Transit and Liability insurance covers

What can we cover?

From man in van, small fleet right through to light haulage courier or delivery vehicle, we can cover you for freight, public and employers liability.

  • Goods cover £10,000 to £50,000
  • Cover up to 10 vehicles
  • Public Liability £2M or £5M
  • Employers Liability £10M
  • EU cover included


Public and employers liability are optional covers that you can choose to add if you require during the quote process. If you require standalone courier public and employers liability click here.

Our low cost courier insurance product is specially designed for Couriers and light Haulage Operators. It has a number of great benefits that will cover you for a different range of contingencies such as;

  • Legal costs
  • Own goods (up to £1,000)
  • Expenses
  • UK & European cover
  • Subcontractor cover
  • General Average
  • Additional courier coverage as standard
  • Unwitting CMR (up to £250,000)
  • Common law contingency cover (up to £250,000)
  • Consequential or indirect costs (up to £250,000)
  • Drivers personal effects (up to £1,000)


To protect you and your business we also have the following add-ons to ensure you are fully protected for every eventuality:

  • Roadside Assistance
  • Legal Expenses
  • Tools in Transit Cover
  • Replacement Vehicle
  • Medical Loss of License




Buying my courier policy from Novas was so simple, the price was great and I had my documents instantly, could not have been easier, the staff were also very helpful on the chat.

Dan Edwards, London

Goods in Transit Insurance for Couriers

What is Goods in Transit Insurance?

Also referred to as Freight liability, our policy will protect against claims made against you for damage to goods being transported by you. Your Novas Policy also extends to provide contingent cover for damage to goods being transported by a sub-contractor appointed by you.

  1. Stolen items
  2. Lost items
  3. Damaged Items
  4. Accidental damage

We DO NOT, under this policy, cover the actual vehicle you drive BUT only the goods being carried within the vehicle.

With cover automatically provided to £50,000 (irrespective of weight) for most of the major courier networks, obtaining that contract should be a smoother process. Unlike many insurers, we automatically provide cover for theft of attractive goods and you or your driver’s personal effects. Hand held scanners and European cover are also automatically covered.

Why do I need Goods in Transit insurance?

When you transport goods under a contract of hire and reward the responsibility for the care of those goods falls upon you as the carrier. Without proof of Goods in Transit cover you will not be able to carry for any of the major networks and should you carry without such cover the financial implications can be crippling to any business.

I deliver goods in Europe will I be covered?

Yes. Our Novas policy provides automatic cover under the CMR convention at 8.33 SDR per kilo subject to a financial limit of £500,000 an one loss. Unlike much of the competition your Novas policy also provides cover for Cabotage. Should you be asked to collect and deliver within the borders of a EU member state other than the British Isles (Cabotage) we will provide cover up to £50,000 for any one loss.

We will give you a quote in seconds using our quick quote feature and you can purchase in under 10 minutes:

Start a quote

Public Liability Insurance for Couriers

What is Public Liability Insurance?

Whilst in many instances your business motor insurance policy will cover damage or injury to third parties whilst using the vehicle, there are many instances where your business will bring you into contact with the public outside the everyday use of the vehicle. For instance, whilst loading or unloading, making a delivery to premises and access by the public to your business premises.

In such circumstances, Public Liability cover will protect you against injury to persons or damage to property caused by you whilst carrying out your business activities. For example

  1. Bodily injury
  2. Damage to material property
  3. Trespass nuisance or obstruction
  4. Personal and advertising injury offences committed

Your Novas Public Liability policy will protect you against the costs of compensation to be paid out as well as the legal expenses incurred during the claims process.

When is public liability useful?

You will be covered under the following cases:

  1. A member of the public suffers injury after tripping over a box at the kerbside whilst you are unloading
  2. You cause damage to an office foyer carpet whilst delivering goods using a pallet truck

We will give you a quote in seconds using our quick quote feature and you can purchase in under 10 minutes:

Start a quote

Employers Liability for Couriers

What is employers liability insurance?

If you are unsure whether you are required to carry Employers’ Liability cover you should seek professional advice. Further information can be found at http://www.hse.gov.uk/pubns/hse40.pdf.

If you are an employer, you are legally obliged to have employers’ liability insurance. You can be fined up to £2,500 for every day you do not have appropriate insurance.

Employers’ liability insurance covers the cost of compensation and any associated legal fees.

Is it required as a contractor?

Some of the larger networks such as DHL, TNT and Parcelforce may require you to have this cover in place before you can commence work. You should seek advice on whether you need this cover with your employer.

How much employers liability cover do I need?

Under the terms of the Employers’ Liability (Compulsory Insurance) Act 1969 you are required to have a minimum indemnity limit of £5million, however at Novas Insurance we understand how important your employees are and we cover you for up to £10million as standard.

We will give you a quote in seconds using our quick quote feature and you can purchase in under 10 minutes:

Start a quote
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