Road accidents can happen. Find out what steps to take after an accident and how Courier Insurance can help keep you protected.
Business Choice Direct — Updated 25 May 2026
Driving on today’s busy roads can be hazardous. As a courier driver you’ll often have to drive through tight spaces, be aware of other drivers’ road behaviour and navigate congested towns and cities, while you’re on a tight schedule and have deliveries to get through.
If you do get into a driving accident, there are 5 steps you can take to make sure you and those around you stay as safe as possible.
We also recommend putting on a high-vis vest as part of your courier PPE, especially if it’s dark.
Contact the police if:
Report the accident to your employer or dispatch team as you can, to log the incident.
Take photographs of:
Your insurance company could ask you for the following information after a driving accident:
Actioning the above steps once you are safe and staying calm throughout the whole process are key to potentially resolving the situation.
Some insurers also offer reduced excesses if claims are reported in 24 hours so don’t delay.
If you are an employee, your employer’s insurance should cover claims, but you may face disciplinary action if you are responsible for the accident.
If you’re a self-employed courier, you must have the correct insurance, or you risk personal liability.
Even minor accidents should be reported in case damage or injury claims arise later. Your courier company should have strict reporting timelines for insurance purposes. If you’re not sure about accident reporting procedures, ask your courier company to provide you with this.
If you’re a self-employed courier driver, you should report even minor accidents to your insurance. Most insurers and insurance brokers require you to notify them, even if you don’t make a claim.
Driving accidents are covered under motor vehicle insurance (e.g., commercial vehicle insurance, courier insurance, or fleet insurance). This type of policy is specifically designed to handle road traffic incidents and will generally cover:
If you have an accident while driving for work, you need the appropriate courier insurance that allows for business or courier use. Public liability insurance would not apply to road use or traffic collisions. If you drive for a courier company, they should have the correct insurance in place to cover you and other road users. If you are a self-employed courier driver, you’ll need a specialised insurance policy.
Whether you’re self-employed or work for a courier company, you should have the appropriate coverage in place. At BCD, we can provide courier insurance with the following:
Protect your business on the road with BCD Courier Insurance. Get comprehensive cover for vehicles, goods in transit, and public liability – tailored for courier drivers. Stay safe, stay compliant, and keep delivering with confidence. Call us today for a free quote and drive with total peace of mind.
To learn more or get a quote, visit their Courier Insurance page or speak to their team today on 0344 776 5301
No. Public liability covers non-driving incidents involving the public. Road accidents are only covered under the correct motor insurance for courier work.
Most insurers require notification immediately or within 24 hours, even if you do not intend to claim. Delays can result in rejected claims.
Your insurer will pay third-party damages (and possibly your own, if comprehensive). You may have to pay an excess, and your driving record may be affected. Employers might also require additional driver training.
Usually no. Most personal policies exclude business or courier use. You’ll need Courier Insurance to be covered while working.
Business Choice Direct Insurance Services® is a trading name of Specialist Broking Retail Limited who are authorised and regulated by the Financial Conduct Authority. Specialist Broking Retail Limited is registered in England and Wales No. 10301653. Registered Office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA.
