Courier Van Insurance

What is Courier Van Insurance?

Courier van insurance is a type of commercial van insurance, commonly referred to as ‘carriage of goods for hire or reward’. It covers your van if you make multiple deliveries within a local area, like parcel or food delivery.

How long can a policy last?

30 Days

Short-term cover with no long-term commitment.

Annual

Our most cost effective option for full-time drivers.

Are you a Director, Officer or Manager?

How would you fund the legal costs and awards made against you?

Is Ascend’s Van policy for me?

To use our van courier insurance, you must meet the following criteria:

  • Aged 21 to 75

  • Full UK, EU or international driving licence

  • Vehicle has no more than 9 seats

  • No more than 3 at fault claims or 4 claims of any kind

Get the cover you need

Third Party Only:
  • Costs for causing damage to other vehicles or property up to £5m
  • Your legal liability for causing death or injury to other people
  • Public Liability cover up to £5m

 

Third Party Fire & Theft:
  • Costs for causing damage to other vehicles or property up to £5m
  • Your legal liability for causing death or injury to other people
  • Public Liability cover up to £5m
  • Fire damage or the theft of your vehicle

 

Fully Comprehensive:
  • Costs for causing damage to other vehicles or property up to £5m
  • Your legal liability for causing death or injury to other people
  • Public Liability cover up to £5m
  • Fire damage or the theft of your vehicle
  • Loss or damage of your vehicle or its spare parts
  • Windscreen (excess £50)
  • Audio, communication and navigation equipment (excess £500)

We also offer pay-as-you-go Hire & Reward cover for van drivers working with our approved work providers, starting from £0.80 per hour.

We provide an exclusive legal service under our Management Liability Policy with access to a specialist litigation and commercial law firm that specialises not only in the management of legal crises, but also in the education and prevention of them in the first place.

  • Support against all regulators including:- Information Commissioners Office (ICO),
    – Health and Safety Executive (HSE),
    – Charity Commission
    – HMRC,
    – Food Standard Agency (FSA),
    – Trading Standards,
    – Local Authorities,
    – DEFRA.
  • Regulatory investigations
  • Regulatory prosecutions
  • Breaches of contract
  • Fees for intervention
  • Employment tribunal and ACAS claims
  • Defence for the organisation itself
  •  £100,000 data protection breach
  • Customer/supplier contact cover
  • Employee theft cover
  • Deprivation of assets
  • Employment civil fines
  • Pollution clean up cost cover
  • Third party electronic funds transfer cover
  • Loss of directors’ time
  • Brand damage
  • Employee engagement impact
  • 24/7 out of hours crisis line
  • Stress and worry for directors & managers
  • Defence against employment tribunal claims
  • £25,000 pursuit cover for contract disputes and debt recovery
  • Legal defence for directors, trusteees, partners and officers
  • Negative social media crisis and public relations costs
  • Circumstance investigation/mitigation costs
  • 24 hours, 7 days a week crisis line straight to a solicitor at no additional cost
  • Legal advice line Mon-Fri 8am-6pm
  • Legally privileged advice, support & representation
  • Downloadable legal & regulatory advice, support guides, letters & templates
  • Access to our digital tools via exclusive portal

Typical Claims

Frequently Asked Questions

Ascend’s 30-day Courier Only Van insurance provides you with Hire & Reward cover that sits on top of your existing Social, Domestic & Pleasure policy.

To use Ascend’s 30-day Hire & Reward (H&R) insurance, you must have an existing Social, Domestic & Pleasure (SD&P) insurance policy in place.

  • Age: 21-65
  • Full UK or EU licence (held minimum 2 years)
  • 2 or fewer claims in last 3 years
  • Vehicle value less than £30,000
  • Up to insurance group 19 for van group 20
  • Up to insurance group 26 for van group 50
  • Vehicle engine size up to 3000cc (4.0l)
  • Must be owner/keeper of vehicle (or if spouse is both, live at same address)
  • No imported vehicles (right hand drive only)
  • No Modifications
  • Great Britain wide (Scotland, Northern Ireland, England, Wales)

Levels of Cover: Third Party Only (TPO), Third Party, Fire and Theft (TPF&T), Fully Comprehensive (Fully Comp).Your level of cover is equivalent to your underlying Social, Domestic & Pleasure insurance.

Policy Types: Flexible (Flex)

Ascend’s flexible Courier Van insurance provides you with pay-as-you-go Hire & Reward (H&R) cover for your delivery work.

To use Ascend’s flexible Hire & Reward (H&R) insurance, you must have an existing Social, Domestic & Pleasure (SD&P) insurance policy in place. You must also link with at least one of our integrated work provider partners.

Price: £0.80 per hour – £2.30 per hour. Price variable depending on multiple factors.

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