Trusted insurance for UK businesses since 1976
Courier Insurance Help

Courier Insurance FAQs

Straightforward answers to common questions about Goods in Transit, courier liability cover, managing your policy and arranging insurance online.

Understanding Your Cover

The basics of courier insurance

Start here if you are unsure which parts of cover may apply to your business.

What is Goods in Transit insurance?

Goods in Transit insurance is designed to protect against certain losses involving customers' goods while they are being transported, subject to the basis of cover, policy terms, conditions and exclusions.

Does Goods in Transit insurance cover my van?

No. Goods in Transit cover is separate from the motor insurance required for your vehicle.

Courier or Hire and Reward motor insurance will normally be required separately for the van itself.

What is the difference between courier insurance and Goods in Transit insurance?

Courier insurance can involve several different covers. Motor insurance protects the vehicle, while Goods in Transit relates to your exposure for goods being carried.

Public Liability and Employers' Liability can also be added where required.

What Goods in Transit limit should I choose?

The limit should reflect the maximum value of goods you could be responsible for at any one time, together with any requirements imposed by the company or courier network you work for.

If you are unsure, contact us before selecting the limit.

What is Public Liability insurance?

Public Liability insurance can provide protection where your business is legally liable for injury to another person or damage to third-party property, subject to the policy terms.

When do I need Employers' Liability insurance?

Employers' Liability insurance is generally required where a business employs staff, subject to limited legal exemptions.

The quotation journey will ask about your business structure and employees so the appropriate cover can be considered.

Can I insure more than one vehicle?

Yes. The scheme can accommodate businesses operating multiple vehicles, subject to the information provided and underwriting criteria.

Can subcontractors be included?

Cover may be available where subcontractors are used. The quotation will ask about your use of subcontractors so that the appropriate terms can be considered.

Courier Networks & Contracts

Working for Amazon, Evri, DPD or another courier network?

Larger courier networks can impose specific insurance requirements. These questions cover some of the areas you may need to consider.

I work for Amazon, Evri or DPD. Can you cover me?

Our courier scheme can cater for selected courier network contracts including businesses working with Amazon, Evri, DPD and other networks.

Cover remains subject to underwriting, eligibility and the particular contractual requirements involved.

Can I select up to £100,000 Goods in Transit cover?

Higher Goods in Transit limits of up to £100,000 may be available for selected courier network contract requirements, subject to underwriting and policy terms.

Can I arrange Public Liability up to £10 million?

Public Liability limits up to £10 million may be available where required by a contract, subject to the relevant underwriting criteria.

What if my courier contract has specific insurance requirements?

If your contract specifies particular limits, conditions or insurance requirements, provide us with the details so we can check whether they can be accommodated under the scheme.

What if I work for more than one courier network?

That does not necessarily prevent cover. Tell us which courier networks or principals you work for during the quotation so the overall exposure can be considered.

Does naming a courier network mean Ratcliffe's is partnered with them?

No. References to courier networks are examples of the types of contractual requirements the scheme may be able to accommodate and do not imply endorsement, partnership or affiliation.

Getting a Quote

Before you start

A few things that can make the quotation process quicker.

What information will I need to get a quote?

You will normally need details of your business, vehicles, the type and value of goods carried, courier contracts, subcontractor use, required liability limits and your claims history.

Can I get a quote online?

Yes. You can complete the online quotation journey and select the cover appropriate to your business.

Some risks may require referral to our team before terms can be confirmed.

Can I still get a quote if I have had a previous claim?

Possibly. Previous claims do not automatically mean cover is unavailable, but they may need to be reviewed by an underwriter before terms can be offered.

What types of goods may need to be referred?

Certain higher-risk, unusual or higher-value goods may need to be referred before cover can be confirmed.

The quotation process will ask about the goods you carry and identify where further information is needed.

What if I am unsure which cover to select?

Contact our team before completing the purchase. We can discuss your activities and help you understand the options available under the scheme.

Existing Customers

Manage your policy online

View your documents, make mid-term changes and manage your policy by logging back into your online account.

How do I make a change to my policy?

You can make many mid-term changes to your policy online by logging back into your account and using the policy amendment options available.

Depending on the amendment, you may be able to update details such as vehicles, employees, goods carried or other policy information.

Some changes may need to be referred to an underwriter before the amendment can be confirmed.

If you cannot make the required change online, or are unsure what to do, call us on 01242 544544 or email info@ratcliffes.co.uk.

How do I log back in to manage my policy?

Return to the Ratcliffe's online insurance website and log in using the account details you used when arranging your policy.

Once logged in, you can access your policy, view your documents and use the available policy management options.

If you have forgotten your password, use the password recovery option on the login page.

How do I get my policy documents?

Your policy documents are available electronically. You can log back into your online account to access the documents associated with your policy.

If you cannot locate a document you need, contact us on 01242 544544 or email info@ratcliffes.co.uk.

What if my business changes during the policy?

It is important to update your policy when there are changes that could affect your insurance.

Examples could include additional vehicles, changes to the goods you carry, a new courier contract, changes in employees or the use of subcontractors.

Log into your account to make the appropriate amendment. If the change cannot be completed online, please contact us.

Will a mid-term change affect my premium?

It may. A change to your policy can result in an additional premium, a return premium or no change to the premium, depending on the amendment.

Any applicable premium adjustment or charge will be shown or explained as part of the amendment.

Are administration charges payable?

Administration charges may apply to certain policy changes, cancellations or other transactions.

Any applicable charge will be disclosed as part of the relevant transaction.

How do I make a claim?

Please report an incident or potential claim as soon as reasonably possible.

Have your policy details and information about what happened available where possible. We can then confirm the appropriate claims procedure and any information required.

If you need assistance, call Ratcliffe's on 01242 544544.

How do I cancel my policy?

If you wish to cancel your policy, please follow the available policy management options online or contact Ratcliffe's if you need assistance.

Cancellation is subject to the terms of your policy and any applicable premium adjustment or administration charge.

How do I make a complaint?

We aim to provide a high standard of service, but if you are unhappy with the service you have received, we would like the opportunity to put things right.

You can email complaints@ratcliffes.co.uk or write to:

The Managing Director
M R Ratcliffe Consultants Ltd
Wolseley House
Oriel Road
Cheltenham
GL50 1TH

We will aim to resolve your complaint as quickly as possible. Where we can resolve the matter within three business days, we will confirm the outcome to you in writing.

If this is not possible, we will acknowledge the complaint and continue our investigation.

Depending on the circumstances of the complaint and the insurer involved, different complaint procedures may apply.

If the complaint cannot be resolved, you may be entitled to refer the matter to the Financial Ombudsman Service.

Where can I find the full complaints procedure?

The full Ratcliffe's complaints procedure is available on our main website.

View our complaints procedure

Is Ratcliffe's authorised by the Financial Conduct Authority?

Yes. M R Ratcliffe Consultants Ltd is authorised and regulated by the Financial Conduct Authority.

Our FCA Firm Reference Number is 309607.

You can check our regulatory status on the Financial Services Register.

Visit the Financial Services Register

Still need help?

Speak to our team if you are unsure about your courier contract, cover limits, online account or policy requirements.

Call 01242 544544   |   Email info@ratcliffes.co.uk
Start Your Quote ›

M R Ratcliffe Consultants Ltd is authorised and regulated by the Financial Conduct Authority. FCA Firm Reference Number: 309607.

Registered in England and Wales. Company Number: 2127940.

Wolseley House, Oriel Road, Cheltenham, Gloucestershire, GL50 1TH.

Cover is subject to eligibility, underwriting, policy terms, conditions and exclusions. References to courier networks are examples only and do not imply endorsement, partnership or affiliation.

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