Home / Courier Van Insurance
LONDON ROOTS. PERSONAL SERVICE.
Courier Van
Insurance.
Insurance for the delivery work you do.
Multi-drop rounds, regular contracts or urgent deliveries: tell us about your van and your work. Our team will check the available cover against the way you operate.
An initial enquiry. Cover starts only when arranged and confirmed.
Independent since 1978
Based in Crouch End, London
Speak to a real broker
INSURANCE AROUND YOUR BUSINESS
Your round changes.
Your cover must fit.
Delivery work involves more than the vehicle. The goods, the contracts and the drivers all matter when arranging insurance.
Multi-drop rounds
Same-day deliveries
Contract work
Owner-drivers
Tell us what you deliver, who you deliver for and your working area. Parcel delivery, food delivery and specialist loads can have different acceptance rules.
Vehicle insurance and goods-in-transit insurance protect different risks. One does not automatically include the other.
ESTABLISHED
1978
An independent insurance broker
since 1978
London roots. Looking ahead.
WHY CROSSROADS
More than four decades.
Still personal.
Insurance starts with understanding what matters to you. We begin with a conversation.
01 / THE CROSSROADS APPROACH
Independent markets. Personal attention.
We explore the options available through our insurance markets, based on your vehicles, circumstances and the cover you need.
02 / THE CROSSROADS APPROACH
People you can speak to.
Tell us what you need and ask the questions that matter to you. Our team will talk you through the available options.
03 / THE CROSSROADS APPROACH
Know where you stand.
We explain the cover, excesses and relevant terms before you decide. You can ask us about the details at every stage.
01 / YOUR LEVEL OF COVER
Compare the cover.
Choose with confidence.
Compare the main differences. We’ll explain the levels available for your vehicle and the relevant policy terms.
01 / COVER LEVEL
Third Party Only
Cover for your legal liability to other people.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Not included
Accidental damage to your vehicle
Not included
Windscreen repair or replacement
Not included
Does not insure loss or damage to your own vehicle.
02 / COVER LEVEL
Third Party, Fire & Theft
Third party liability, plus fire and theft protection.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Included
Accidental damage to your vehicle
Not included
Windscreen repair or replacement
Not normally included
Adds fire and theft cover, but not accidental damage to your vehicle.
03 / COVER LEVEL
Fully Comprehensive
Third party liability and wider protection for your vehicle.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Included
Accidental damage to your vehicle
Included
Windscreen repair or replacement
Check policy terms
Windscreen benefits, excesses and repair arrangements vary by insurer.
This is a general comparison, not a policy summary. Availability and benefits depend on the insurer. The policy wording and certificate set out the actual cover and permitted use.
Not sure which level to choose?
We’ll explain the available cover and excesses before you decide.
02 / YOUR DELIVERY WORK
The load.
The route.
The right details.
Explore the work you do, then speak to us about the terms available for your van and drivers.
EXPLORE YOUR DELIVERY WORK
01
PARCELS
Regular rounds and multi-drop work
Tell us the number and type of deliveries, your annual mileage and the companies you work with. Include any changes between local rounds and longer journeys.
02
URGENT
Time-sensitive deliveries
Tell us what you carry, its value and any specialist handling requirements. Unusual or high-value loads need to be raised with the insurer.
03
CONTRACTS
Check the requirements you work to
Your delivery contract may ask for goods-in-transit or public liability cover as well as motor insurance. Bring the requirements so we can discuss them separately.
04
DRIVERS
Who gets behind the wheel?
Tell us whether you drive alone, share the van or employ other drivers. Do not assume a substitute driver is covered without checking the policy.
These examples help us understand your needs. Available cover, terms and acceptance depend on the insurer.
03 / OPTIONAL EXTRAS
Extra protection.
A clearer picture.
Explore optional benefits and related policies. Some may already be included; others need separate cover. We’ll explain what is available for your circumstances.
01 / 06
Motor Legal Cover
Help with eligible legal costs when pursuing uninsured losses following a non-fault accident. Conditions apply to the prospects of success and authorisation of costs.
What we’ll help you check
- Which losses can be pursued?
- What must happen before costs are authorised?
- How is a claim reported?
02 / 06
Motor Breakdown
Explore roadside assistance and recovery for the vehicle use you declare. Home assistance, onward travel and vehicle restrictions depend on the product.
What we’ll help you check
- Does it accept this vehicle and its use?
- What weight, size or age limits apply?
- Which recovery and home services are included?
03 / 06
Goods in Transit
Ask about protection for goods carried in connection with your work. The load, ownership, value and conditions of carriage affect the cover needed.
What we’ll help you check
- Are my particular goods accepted?
- What limits apply to each load?
- What theft and unattended-vehicle conditions apply?
04 / 06
Motor Excess Protection
Ask about reimbursement of an eligible motor policy excess following a settled claim, subject to the protection limit and the product’s terms.
What we’ll help you check
- Which excess payments are eligible?
- What limits and exclusions apply?
- Which settlement documents are needed?
05 / 06
Public Liability
Discuss separate cover for liability arising from your business activities. It does not replace the motor insurance needed for use of the vehicle.
What we’ll help you check
- Which business activities are insured?
- How does it fit with the motor policy?
- What limits does my contract require?
06 / 06
Key Protection
Ask about help with eligible lost, stolen or damaged keys and locks. Check whether protection is already included before adding a separate product.
What we’ll help you check
- Which keys are covered?
- What claim limits and excesses apply?
- How is a replacement arranged?
Choose an option to explore. Availability, limits and exclusions vary. Related policies may be arranged separately; we’ll provide the relevant terms before you decide.
GETTING STARTED
Three steps.
Let’s get started.
01
Tell us about your deliveries
Share your van details, the goods you carry and who you deliver for. We’ll ask about your routes, mileage and drivers.
02
Explore your options
We discuss available cover, optional extras and payment arrangements, including the relevant terms.
03
Confirm before you drive
Complete the required information and arrangements. Check your documents and the confirmed start date.
Useful details to have ready
Van registration and value · Delivery companies and goods carried · Delivery area and mileage · All drivers · Claims and convictions · Contract insurance requirements · Start date
Ready to discuss your cover?
Send a short enquiry and we’ll contact you to discuss your requirements.
CUSTOMER EXPERIENCES
Real people.
In their own words.
Read what customers say about their experience with Crossroads.
A LITTLE MORE CLARITY
Your questions
answered.
Answers to common questions about courier van insurance, drivers and arranging cover.
Understanding the cover
What is courier van insurance?
It is motor insurance arranged for the delivery use declared to the insurer, including carriage of goods for hire and reward where required. The precise use must be shown in the policy documents.
Does ordinary business van insurance cover deliveries?
A policy limited to carrying your own goods is not the same as cover for carrying other people’s goods for payment. Check this before starting a delivery contract.
Are the parcels inside my van covered?
Motor insurance does not automatically insure the goods being carried. Ask about goods-in-transit cover, including the maximum load value, theft conditions and any excluded items.
Can I work for more than one delivery company?
Tell us every type of work and the companies involved. We need to check the insurer’s acceptance and any contract requirements; a policy should not be assumed to cover every platform.
Vehicles, drivers and use
Can I also deliver takeaway food?
Tell us before doing so. Food delivery and parcel courier work can be treated differently, and a policy suitable for one may exclude the other.
Is any-driver cover available?
It may be available for some risks, but it is subject to insurer agreement and conditions such as age and licence requirements. Tell us exactly who needs to drive.
Will breakdown cover accept courier use?
Not every breakdown product accepts delivery work. We’ll discuss the van’s size, use and the service you need before checking suitable options.
Can you help if I operate several courier vans?
Send us the vehicle list and driver arrangements. We can discuss multi-vehicle or fleet options, subject to the insurer’s requirements.
Getting a quote
How do I request a quote?
Choose a quick callback or share your quote details using the enquiry form. You can also call 020 8374 9331. We’ll review your information and discuss the available options.
Does the enquiry form put cover in place?
No. It asks our team to contact you. Cover must be arranged and confirmed, with the required details and payment arrangements completed, before you rely on it.
Can I ask about monthly payments?
Yes. Ask us about available payment arrangements and the total cost. Instalments on an annual policy are not the same as a monthly insurance policy. Finance is subject to eligibility and terms.
Managing your policy
Can I change the policy later?
Contact us before changing vehicles, drivers or vehicle use. Insurer acceptance, additional premiums and fees may apply. Check the change is confirmed before relying on cover.
What happens if I want to cancel?
Please contact us and confirm your request in writing. Any refund, fees and outstanding finance depend on the policy terms, time on cover and claims position.
When can I speak to the team?
Call 020 8374 9331, Monday to Friday, 9am to 5pm. We are based at 133 Tottenham Lane, Crouch End, London, N8 9BJ.
OTHER WAYS TO WORK
Find your next route.
LET’S TALK ABOUT YOUR COVER
Your next journey
starts here.
Tell us what you need. We’ll take it from there.
Monday–Friday · 9am–5pm
133 Tottenham Lane, Crouch End, London, N8 9BJ