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Courier work, properly covered

Courier insurance forcourier drivers.

Your vehicle, your load, your liability and your income. Insurance made easy.

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Licensed Australian broker60-second submissionOwner-drivers and fleets

Quick Quote

60 seconds

What kind of driving do you do?

Pick the closest match to get started.

No obligation. Subject to eligibility and underwriting.

  • 5.0on Google
  • 20+Australian insurer panel
  • 19,000+Australians helped
Why Courier Cover

We discuss what's important to you, and answer the phone when it matters.

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Who we cover

Whatever you drive, we can help cover it.

One car on weekend shifts through to a fleet of vans on daily runs, whether you are a sole trader, a subcontractor or a company.

Courier / parcel deliveryFood deliveryAmazon FlexRideshare + deliveryFreight / general transportRemovalsMedical / specimen courier
What can be included

One policy, built section by section.

A courier policy is a set of sections, and the ones you need depend on what you drive and the work you do. An owner-driver leads with the vehicle, the load and their own income; an operator with staff adds fleet and employer cover. We build the programme around your work, then compare it across a panel of insurers.

Commercial Motor & Light Truck

The vehicle itself, rated for carrying goods for hire or reward, from a courier van or ute through to a light rigid truck. Private motor policies exclude paid delivery work outright.

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Carriers Liability

What you are legally liable for when a customer's freight is lost or damaged in your care. This is the cover most courier contracts actually require you to hold.

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Public Liability

Third parties injured or property damaged while you work, from a dropped consignment to an incident on a loading dock, plus the legal costs of defending the claim.

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Downtime Cover

An income benefit while your truck is off the road after an insured event. With one vehicle and no backup, a three-week repair is otherwise three weeks with no earnings.

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Trailer in Control

Trailers you do not own but are towing or holding. Your motor policy covers your vehicle; a hooked-up trailer belonging to someone else is a separate and commonly missed exposure.

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Goods in Transit

The freight itself, insured regardless of who was at fault. Where carriers liability answers what you owe, this answers what the load was worth.

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Personal Accident & Income

A weekly benefit while injury or illness keeps you off the road. As a sole trader you generally cannot hold workers compensation on yourself, which is exactly why this exists.

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Fleet & Employer Cover

Multiple vehicles on one renewal date, plus the workers compensation and employment obligations that begin the moment you put someone else behind the wheel.

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Not sure what you need?

Talk it through with our licensed team. We'll tell you which of these sections your work actually needs, and which you can leave out.

1300 080 323

Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.

Courier insurance

Cover written for the work you do.

See all cover types
Vans

Cover for the van, the load inside it and the work it does.

Light trucks

What changes when you move up from a van to a truck.

Carriers

Cover for the freight you carry, and who is liable for it.

Public liability

The risk at the delivery point, not on the road.

All vehicles

How cover changes across cars, vans, utes, trucks and bikes.

Cars

Why a private car policy will not respond, and what does.

Drivers

Cover for you: your income, your injuries and your liability.

Amazon Flex

What Amazon's cover does, where it stops and how to fill the gap.

Uber Eats

The app-on, app-off gap and how to close it.

DoorDash

Cover for Dashers, including the multi-apping overlap.

Food delivery

Cover across bikes, e-bikes, scooters and cars.

Delivery cars

The car as a high-kilometre, fast-depreciating working asset.

How it works

Three steps. One enquiry.

You answer a few questions; we do the comparing, the paperwork and the chasing. That's the whole point.

01

Tell us what you drive

The vehicle, the work you do and the cover you need. About 60 seconds, no paperwork.

02

We compare

Our licensed team checks the vehicle is rated for the work, sets your liability limits, then compares a panel of insurers.

03

You're covered

We confirm the details and arrange the cover, with your certificate of currency issued during business hours.

Reviews

Why our clients love us.

Rated 5.0 on Google· 250+ reviews

Reviews are for Stonewell Insurance, the business behind Courier Cover.

I was fortunate to have Taylor help me out with insurance cover for starting my courier business. She was able to get me completely covered while saving me half the price of other insurance quotes I was receiving.
Baz Rootin
Starting a courier business
Google review
Sam organised my business van insurance so easily. Professional, timely, no fuss provision of suitable companies to provide the most appropriate and cost effective cover. Highly recommended. Thank you Sam.
Craig Rigby
Van insurance
Google review
We had a great experience with Darren. He went above and beyond to find us a great deal. Would highly recommend this company and Darren to friends and family. Thanks heaps, Dean and Kerrin.
Kerrin Tandy
DJK Logistics · Logistics operator
Google review
Sterling from Stonewell Insurance Brokers was awesome to deal with. He helped us find the best deal for our work vehicles, made everything simple, and got it sorted fast. Highly recommend!
Connor Harris
Work vehicles
Google review
Bailey from Stonewell is amazing, easy to deal with every time to add or swap out vehicles with our growing company. Highly recommend!
Adelaide Secure Fencing
Adding and swapping vehicles
Google review
If you need insurance for your truck, Patrick Wood is the man to see. He got me a great rate, and quickly as well. Stonewell Insurance Brokers are the people to see.
Cary Huff
Truck insurance
Google review
FAQ

Common questions.

Can't see your question? Send us your current schedule and we'll tell you what it actually covers.

Speak with our team on 1300 080 323.

What insurance does a courier driver need in Australia?
Usually four things: a motor policy rated for carrying goods for hire or reward, public liability for third-party injury and damage, carriers liability for the freight you are responsible for, and something that replaces your income if you cannot drive. Which of those are mandatory depends on your contracts; most head contractors specify liability limits before they will engage you.
Does my normal car insurance cover courier or delivery work?
Almost certainly not. Private comprehensive policies in Australia exclude carrying goods or passengers for hire, reward or payment. That exclusion applies the moment you are paid to deliver, however careful a driver you are. Continuing on a private policy usually surfaces at the worst possible time, when you claim.
Do I need a different policy for a light truck than for a van?
Often yes. Once you move past light-commercial weight you are into a different market with different insurers, higher liability limits and more scrutiny of licensing, maintenance records and fatigue management. A ute and a light rigid doing the same run are not priced or underwritten alike, so tell us the vehicle rather than the job.
What is carriers insurance, and is it the same as goods in transit?
They are related but not the same. Carriers liability covers what you are legally liable for when a customer's freight is lost or damaged in your care. Goods in transit insures the goods themselves regardless of who was at fault. Which you need depends on what your contract makes you responsible for, and assuming one covers the other is a common and expensive mistake.
Does my motor policy cover a trailer I do not own?
Generally not while it is in your control. Your policy covers your vehicle; a hooked-up trailer belonging to a customer or a depot is a separate exposure, usually handled by a trailer in control extension. It is one of the more common gaps we find on operators who tow.
What happens if I claim without telling my insurer I do deliveries?
The insurer can decline the claim, and in some cases avoid the policy from inception for non-disclosure. You could also be left personally liable for a third party's damage. It is a very large downside to carry in exchange for a modest saving on premium, which is why we always get the use description right up front.
What cover do I need if I am an owner-driver with no employees?
As a sole trader you generally cannot take out workers compensation on yourself, so personal accident and sickness or income protection is what covers you when you cannot work. Alongside that, a properly rated vehicle policy, public liability and carriers liability. The moment you put someone else behind the wheel, employer obligations begin and the picture changes.
Is the delivery app's insurance enough if I drive for a platform?
It helps, but it is narrower than most drivers assume. Platform cover typically applies only while you are logged in and on an active delivery, leans toward third-party liability, and generally will not repair your own vehicle or replace your income. Treat it as a supplement to your own policy, not a substitute for it.
How much does courier insurance cost?
There is no single price. It depends on the vehicle, what you carry, how many hours and kilometres you do, where you are based, your claims history and which sections you take. We compare options across a panel of insurers and come back with terms for your situation rather than quoting a single insurer.
Are you an insurer?
No. Courier Cover is a trading name of Stonewell Insurance Pty Ltd, a licensed insurance broker. We act for you, not for an insurer: we work out what you need, approach the market on your behalf, explain the differences and help you at claim time.
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Sort your courier cover today.

Sixty seconds of your time, then our licensed team takes it from there.

Get my quote 1300 080 323