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Delivery insurance NI

Are you a delivery driver (or are running a delivery driver operation) in Northern Ireland? You’ll need appropriate insurance. Sometimes it can be difficult, particularly here in NI, to find good value insurance designed for delivery drivers. Don’t worry, we can help make this easy. Whether the vehicle is a car, van, motorcycle, scooter or truck, NI delivery driver insurance protects you and your vehicle and helps keep you on the road. See how much you could save today – save a lot with Apricot!

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Delivery Driver Insurance NI

Home deliveries have never been so popular. But before you start working as a delivery driver, the proper insurance is required by law. We make that part easy with a range of fast and affordable delivery driver insurance NI quotes. 

What delivery driver insurance NI do I need?

You may be using your own vehicle to make deliveries. Your standard vehicle insurance won’t cover you for working as a delivery driver.

Your vehicle must have one of the three basic covers: third party, third party, fire and theft, or comprehensive. You will also need hire and reward insurance (goods in transit insurance). You will also need public liability insurance. 

What is hire and reward insurance?

This is a type of insurance that allows you to be paid for carrying other people’s goods. These goods may be parcels, products or a delivery of hot food from a restaurant. 

I only work part time as a delivery driver in Northern Ireland. Is there a policy for part-time drivers?

Yes, some insurance providers have delivery driver insurance NI policies that are pay as you go. With this type of policy, you can cover yourself by the hour, the month or the year. 

Do the popular delivery service companies insure their drivers?

Not always. If the company provides you with a vehicle, such as a liveried van, this and the deliveries may be insured. If you’re using your own vehicle to work for a company, you may have to get your own insurance. This may be a condition of working for that company. 

Why is delivery driver insurance NI more expensive than my vehicle insurance?

It costs more because you face more risks as a delivery driver. You may have higher mileage and may be driving to strict deadlines. You may be driving a lot in busy, urban areas, at night and on unfamiliar roads. 

If my vehicle has delivery driver insurance NI, will it be covered for personal use?

If you want to drive your delivery vehicle in your free time you need to make sure that your delivery driver insurance NI policy covers personal use. If it’s not included as standard, it’s usually easy to add it on. 

What additional cover could I add to my delivery driver insurance NI?

To help protect your delivery business you might add on:

* Breakdown cover/roadside assistance.

* Rental reimbursement if you hire your delivery vehicle and there is an accident.

* Protection for lost earnings if an accident means you can’t run your business.

* Legal expenses.

* Personal possessions insurance. 

At Apricot Insurance, we work with the UK’s leading insurance companies to find you cheap delivery insurance NI. Get a cheap delivery driver insurance NI quote at Apricot today.