Breakdown cover may not always be included in courier insurance policies, and it could sometimes be more useful to purchase it separately. Here’s what you need to know about your options and how to ensure your delivery work is fully protected.

Does Courier Insurance Automatically Include Breakdown Cover?
Courier insurance policies might not always include breakdown protection as standard. Insurers often focus on covering risks such as accidents, theft, and liability for the goods you transport. Breakdown cover, whilst all but required for couriers, may be offered as an optional extra or require a separate policy altogether.
For example, a courier using a small van for multi-drop deliveries may find their basic insurance policy does not include breakdown assistance. If the vehicle breaks down mid-route, they could face delays, missed deliveries, and financial losses without suitable cover.
Why Might Breakdown Cover Not Be Included?
There are several reasons why breakdown cover might not be part of a courier insurance policy:
- Policy Focus: Courier insurance is primarily designed to cover vehicle damage, third-party claims, and goods in transit.
- Cost Management: Including breakdown protection could increase premiums, so some insurers offer it separately to keep base prices competitive.
- Specialist Providers: Breakdown assistance often requires a dedicated service provider, which may not align with a courier insurer’s offerings.
For instance, a courier working in London’s congested areas might find that a standalone breakdown policy from a specialist provider offers better service response times compared to a bundled option.
When Could It Be Better to Buy Breakdown Cover Separately?
Purchasing breakdown cover separately might provide more tailored protection and flexibility. Here’s why it could be a better choice:
- Specialist Services: Breakdown providers often offer features such as roadside repairs, onward travel, and recovery tailored to couriers’ needs.
- Cost Savings: Separate policies might be more cost-effective, especially if you compare options from different providers.
- Customised Cover: Standalone breakdown policies may allow you to choose exactly what you need, such as European cover or multi-vehicle options.
For example, a courier delivering parcels across the UK might prefer a dedicated breakdown policy that includes home start and nationwide recovery, which may not be available through a bundled option.
What Types of Breakdown Cover Are Available for Couriers?
When considering breakdown protection, couriers may need features that align with their work demands. Options might include:
- Roadside Assistance: Basic cover to repair your vehicle at the breakdown location.
- Recovery: If repairs aren’t possible, your vehicle may be towed to a garage or destination of your choice.
- Home Start: Assistance if your vehicle won’t start at home or a depot.
- Onward Travel: Provision of a replacement vehicle, public transport, or overnight accommodation to keep deliveries moving.
- European Cover: Protection for couriers operating internationally.
For instance, a courier delivering goods in rural areas might prioritise roadside repairs and onward travel, whilst those covering city routes may value quicker recovery services.
How Much Does Breakdown Cover for Couriers Cost?
The cost of breakdown cover can vary depending on the provider, level of protection, and vehicle type. On average, standalone policies might start at around £100 to £200 annually for basic cover, with comprehensive options costing more.
For example, a small van courier could pay approximately £120 annually for a policy that includes roadside repairs, recovery, and home start. A courier managing a fleet of vehicles might pay a higher premium for multi-vehicle cover, but the overall cost per vehicle could be lower.
What Are the Risks of Not Having Breakdown Cover?
Operating without breakdown protection could expose couriers to significant risks, including:
- Delays: A breakdown could lead to missed deliveries, unhappy clients, and potential financial penalties.
- High Costs: Towing, roadside repairs, or recovery services can be expensive without a policy in place.
- Loss of Work: Time spent off the road might mean lost earnings, particularly for self-employed drivers.
For instance, a courier delivering urgent parcels may lose a day’s income if their vehicle breaks down and they have no immediate recovery options.
Can Breakdown Cover Be Added to Courier Insurance?
Some insurers offer breakdown cover as an optional add-on to courier policies. Whilst this might be convenient, the level of service and protection may not always match that of a standalone policy from a specialist provider.
For example, a bundled breakdown option might only include basic roadside assistance, whereas a separate policy could provide additional features like onward travel or overnight accommodation.
What Should You Look for When Choosing Breakdown Cover?
When selecting breakdown protection, consider the following factors to ensure it search for a policy tailored to you:
- Response Time: Quick recovery would be an excellent idea to minimise delivery delays.
- Cover Area: Ensure the policy covers all regions where you operate, including rural areas or Europe if required.
- Additional Services: Onward travel, replacement vehicles, and home start could prove invaluable.
- Cost: Compare providers to find the best balance between price and protection.
For instance, a courier covering both city and rural routes might need a policy that guarantees rapid response times regardless of location.

How Do You Compare Breakdown Cover Options?
Comparing policies from multiple providers may help you find the most suitable breakdown cover for your needs. Consider the following steps:
- Review the features and benefits included with each policy.
- Check the provider’s reputation for service quality and response times.
- Evaluate the cost of standalone policies versus add-ons to courier insurance.
- Ensure the policy covers your vehicle type, whether it’s a van, car, or motorbike.
For example, a delivery driver with a newer van might opt for basic roadside repairs, whilst someone with an older vehicle may prefer comprehensive recovery and onward travel.
Should Fleet Owners Consider Separate Breakdown Policies?
Fleet owners managing multiple vehicles might benefit from standalone breakdown cover tailored to fleets. These policies could offer:
- Cost-effective cover for multiple vehicles.
- Priority response to minimise business disruption.
- Flexible options, such as individual breakdown cover for each driver or shared protection.
For example, a courier business operating 10 vans could acquire a fleet breakdown policy that provides consistent protection and reduces the administrative burden of managing individual cover.
Conclusion: Should You Include Breakdown Cover in Courier Insurance?
Whilst some courier insurance policies may offer breakdown cover as an add-on, purchasing it separately could provide greater flexibility, better service, and tailored features. Ensuring your vehicle is protected against breakdowns can help minimise delays, avoid financial losses, and keep your deliveries on schedule.
Ready to find the right cover? Compare quotes today to explore your options for courier insurance and breakdown protection, and keep your business moving without interruption.