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Courier Insurance

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Couriers insurance

Courier commercial insurance NZ

Courier insurance is a specific type of policy designed to provide coverage for businesses or individuals who transport goods, packages, and documents from one place to another for a fee. Just as the name suggests, this insurance focuses on safeguarding the interests of couriers, both in terms of their vehicles and the items they transport.

Why is couriers insurance important? 

Courier insurance offers a safety net for those in the delivery business. It not only ensures that valuable items being transported are safeguarded against damage or loss, but it also provides liability coverage, protecting couriers from potential claims if they’re found responsible for damages or injuries.

In New Zealand, the average cost of courier insurance typically ranges between $200 – $400 per month. 

It’s crucial to have couriers coverage if your business:

  • Transports valuable goods
  • Operates in high-risk areas
  • Uses multiple vehicles
  • Is on the road frequently

What covers are typically included in couriers insurance? 

Business Vehicle Insurance

Protects courier vehicles. It covers accidents, damages, and injuries related to the vehicle while it’s being used for business activities.

Best For
  • Repair costs
  • Third party damages
  • Injuries 

Loss of use

Coverage that helps when your vehicle is unusable due to an accident. It covers the cost of a temporary replacement vehicle, so you can still get operate your business whilst it is being repaired.


Best For
  • Temporary vehicle
  • Reimbursement expenses
  • Accident downtime

Public Liability

This policy covers common courier business risks including bodily injuries, customer property damage, and advertising injuries. 

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Carriers Liability Insurance

Carrier’s liability insurance in New Zealand covers couriers for their liability when goods they’re transporting for customers are lost, damaged, or delayed. 

Best For
  • Goods damage
  • Transit loss 
  • Theft

How much does couriers insurance cost?

Couriers insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Couriers insurance in NZ typically costs between $200 to $400 per month

To obtain accurate pricing for your courier insurance, get a couriers insurance quote now by clicking the button below. 

Who needs couriers insurance?

If you’re in the business of delivering goods, documents, or packages – whether it’s food, clothing, electronics, or official papers – you should seriously consider courier insurance. This includes:

  • Independent couriers
  • Courier companies with multiple employees
  • E-commerce businesses offering delivery
  • Any business that relies on transporting items as a service

No, while courier insurance is highly recommended, it’s not legally mandatory in NZ. However, if you’re a courier, having it is a wise business decision.

Yes, most comprehensive courier insurance policies cover theft of goods while in transit and theft of the vehicle. However, always check your policy’s specifics to ensure the level of coverage is satisfactory.

How do I get proof of courier insurance

You can usually get proof of courier insurance same day when you purchase insurance through Gerrards.

Acquiring a couriers insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or lease.

To obtain insurance coverage promptly, contact one of our courier insurance brokers. We may require you to provide some fundamental details about your business, such as:

  • The name of your business
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

What does couriers insurance not cover?

Normal Wear and Tear

Items that degrade over time aren’t covered. Insurance doesn’t cover deterioration that naturally occurs as items age or undergo regular use.

Unattended Vehicles

Theft from unattended vehicles might not always be covered. Always check your policy’s specifics. It’s crucial to take security measures, like parking in safe areas or using lockable compartments.

Goods Outside Policy Description

If you’re transporting goods not declared in your policy such as dangerous goods, they might not be covered. Always ensure your policy fully covers the types of goods you handle.

Other common questions about couriers insurance

Absolutely! Businesses vary, and so do their needs. Work with your insurance broker (like Gerrards) to tailor a policy that suits your specific requirements.

Yes, even part-time couriers face risks. Whether full-time or part-time, if you’re transporting goods, you should be covered.

Premiums are based on factors like the type/value of goods, distances covered, vehicle types, and chosen coverages. A higher perceived risk might mean higher premiums.

Yes, many insurers offer fleet insurance. This can be more cost-effective and convenient for businesses with multiple vehicles.

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