Get your courier insurance right away

We offerinsurancefordelivery vansused for courier services.

Using a privately insured car for courier services is cheaper under the insurance policy. However, we do not recommend it. After all, it remains to be seen whether the insurer will provide coverage in the event of damage. A major problem could arise if, in the event of damage, it turns out that the car was used for a purpose other than the one for which it was insured.

With ourcourier insurance, you can customize your (delivery) vehicle insurance for courier services so that it perfectly fits your business needs.

As a courier service, you are responsible for delivering other people’s packages correctly and on time. If something goes wrong, you may be held liable under the General Terms and Conditions for Courier Services (AVK).

Carrier liability insurance covers damages if a shipment is damaged due to your fault. This insurance provides protection against damage to the cargo, personal injury, damage to vehicles, and liability to third parties.

Costs

With a liability limit of €454 per shipment, the annual premium is €130.00 per courier vehicle. The deductible is €100 per incident. If you have agreed to a higher amount per shipment, the annual premium per courier vehicle is €175.50.

The maximum insured amount depends on the agreed-upon increased liability limit and is capped at €5,400 per shipment. The deductible depends on the agreed-upon increased liability limit.

• Deductible of €250 with an agreed liability limit of €2,700
• Deductible of €500 with an agreed liability limit of €5,400

Couriers who hit the road without insurance will be fined and must cover any damages they cause out of their own pocket. This is, of course, very troublesome, especially when the costs run into the hundreds of thousands. As a result, it is mainly small business owners—who do not drive for a well-known taxi company or a ride-hailing platform—who are willing to take this risk. At Alpina, you can also purchase courier insurance as a self-employed individual.

Easily calculate the premium for self-employed courier insurance online.

It’s becoming increasingly common for couriers to drive around uninsured because they can’t get coverage from insurance companies. With our online tool, you can easily calculate the premium for your new commercial vehicle insurance.
First, enter a few details, such as:

• The license plate
• Your date of birth
• The number of claim-free years
• Your ZIP code

Don't have a license plate number on hand? Then select the make and model of your delivery van. Our online calculator will show you the cheapest provider of courier insurance.

Alpina’s handy online tool makes it even easier to calculate your new commercial vehicle insurance. First, enter a few details, such as the license plate number, your date of birth, the number of claim-free years, and your ZIP code. Don’t have your license plate number handy? Then select the make and model of your delivery van. Our online calculator will show you the cheapest provider of courier insurance.

Still not quite sure? No problem! Comparing options doesn't create any obligations.

Courier insurance is a special type of auto insurance for vehicles used to deliver goods or packages. Because couriers drive more kilometers and face a higher risk of damage or theft, standard auto insurance does not provide sufficient coverage. Courier insurance covers damage to the vehicle, liability, and often additional risks specific to courier work.

Courier insurance can include third-party liability, third-party liability plus, or comprehensive coverage, supplemented by options such as cargo damage, legal assistance, or roadside assistance. The exact coverage depends on the insurer and the policy selected. Cargo and liability coverage are particularly important for couriers who transport packages.

Yes, if you’re a self-employed courier and use your vehicle for business purposes to deliver packages, standard auto insurance isn’t enough. Insurers require courier insurance in such cases. Without this specific coverage, damages or liability incurred while on the job cannot be reimbursed, which poses significant financial risks.

Not included as standard. Damage to the shipment is only covered if you purchase additional cargo insurance or shipment insurance. This additional coverage protects you against damage, loss, or theft of the packages being transported during delivery.

Only if your vehicle is properly insured under a courier insurance policy and you meet the policy terms and conditions. For example, if you drive without the proper coverage or use a personal insurance policy for business courier work, an insurer may refuse to pay for the damage.