What should I confirm before using my work van for paid parcel deliveries?

State the actual delivery arrangement

Quotezone’s courier page treats delivering third-party goods for payment as a distinct use and discusses part-time or seasonal activity. It also distinguishes the motor arrangement from protection for the goods. These are commercial product explanations, not a decision about your present policy.

Prepare the delivery pattern, who you work for, types of goods and any platform or contract requirements for discussion with the provider. You do not need to give client names, documents or account details to our checklist.

References for this section: Quotezone: Courier insurance (Commercial comparison service; affiliate relationship; reference link). References to official guidance or other insurers are not paid placements.

Check the relationship with existing insurance

If you already have van insurance, explain the proposed change before starting the work. Direct Line asks policyholders to tell it about changes; its own product page says it does not offer courier cover. That is one provider’s position and must not be extrapolated to the whole market.

If someone proposes a time-limited or top-up arrangement, ask about the base insurer’s permission, covered periods, waiting time and journeys outside active deliveries. This article does not say that such an arrangement is available or compatible.

References for this section: Direct Line for Business: Van insurance (One insurer product source, not a market-wide rule; reference link); Quotezone: Courier insurance (Commercial comparison service; affiliate relationship; reference link). References to official guidance or other insurers are not paid placements.

Ask separate questions about the parcels

Quotezone describes courier motor cover and goods-in-transit protection as different matters. Confirm who bears responsibility for parcels and what evidence the contract requests. A motor certificate should not be treated as proof of every goods-related obligation.

Ask the provider for written answers about the work and effective date. If the answer is unclear, keep the matter unresolved. Neither a platform registration nor completion of this worksheet confirms cover to drive.

References for this section: Quotezone: Courier insurance (Commercial comparison service; affiliate relationship; reference link); GOV.UK: Vehicle insurance (Official guidance; reference link). References to official guidance or other insurers are not paid placements.

Working list

• Tell the current insurer about the proposed paid-delivery activity.
• Describe parcel types, delivery pattern and occasional work.
• Ask which service route and use questions apply.
• Confirm dates and any base/top-up policy relationship.
• Check goods and contractual responsibilities separately.

What this does not establish

There is no dedicated affiliate courier or hire-and-reward offer on this page. Use the provider discussion and the checklist to prepare; we do not choose a courier product or decide that your present cover is invalid.