Courier breakdown cover in the is a specialized form of insurance tailored to meet the unique needs of courier and delivery drivers. These self-employed couriers and courier fleet companies rely heavily on their vehicles to conduct their business efficiently. A vehicle breakdown can lead to delayed deliveries, unsatisfied customers, and loss of income.

As such, courier breakdown cover is designed to provide rapid assistance and support in the event of a vehicle failure, ensuring that couriers can get back on the road as quickly as possible.

What is Covered?

Courier breakdown cover typically includes a range of services aimed at addressing common issues that can lead to vehicle breakdowns. The specifics can vary between providers, but coverage often includes.

Roadside Assistance

If your courier van breaks down while on a delivery route, roadside assistance aims to repair your vehicle on the spot. If the vehicle can’t be fixed there and then, it will be towed to the nearest garage.

Vehicle Recovery

In cases where your vehicle cannot be quickly repaired, vehicle recovery services will transport your vehicle, you, and your parcels to a specified address, which can be your home, work, or a nearby garage.

Onward Travel

Some policies offer solutions for continuing your journey after a breakdown, such as a courtesy van, ensuring that your delivery schedule suffers minimal disruption.

Home Start

This covers breakdowns that occur at your home or very close to it, helping you get moving even before you’ve made your first delivery of the day.

Benefits of Cover

The primary benefits of courier breakdown cover include.

Minimized Downtime

Fast response and repair times mean you can complete your deliveries with minimal delay.

Financial Protection

Avoiding the costs associated with towing, repairs, and potentially lost income from delayed or cancelled deliveries.

Peace of Mind

Knowing that you have support available 24/7 can alleviate the stress of potential vehicle failures.


Many providers offer customizable plans, allowing you to select the cover options that best fit your business needs and budget.

Rough Idea of Costs

The cost of courier breakdown cover can vary significantly based on several factors, including the type and age of the vehicle, the level of coverage chosen, and the number of vehicles being insured. On average, courier breakdown cover can range from as low as £60 to £250 per year for a basic package. For more comprehensive coverage, including additional services such as onward travel and European cover, prices can increase substantially.

It’s worth noting that while cost is an important consideration, the cheapest option may not always offer the best value. Couriers should carefully evaluate the specifics of what each policy covers, as well as the provider’s reputation for service quality and response times, before making a decision.

In conclusion, courier breakdown cover is an essential service for anyone in the delivery industry. It not only ensures that you’re quickly back on the road after a breakdown but also protects against financial losses and maintains the reliability of your service. Given the potential costs associated with vehicle breakdowns, investing in a suitable cover can save money and stress in the long run.