Last Mile Delivery Insurance

Last Mile Delivery Insurance

Last mile delivery solutions are playing an increasingly important role in logistics. Plan Insurance Brokers are passionate about sustainability and helping to reduce emissions in urban areas.

Insurance should not be a blocker to progress. We have worked with experts at our sister brand Yellow Jersey Business Insurance  to create a number of insurance solutions for last mile delivery operations. The use innovative technologies such as e-cargo bike fleets and disruptive business models are no obstacle.

We have developed insurance products for last mile delivery firms that will aid efficiency and protect profits. Our specialist risk management services will also help keep your business on the move.

You will benefit from:

  • Free risk management services with health and safety documents, risk and method assessments, business continuity templates and more at no extra cost to your company
  • Competitive premiums from leading insurers
  • Specialist products and advice based on over 30 years’ experience
  • Award winning customer service

Call us on 0800 954 0778 to speak to one of our specialist advisors or request a call back.


  • Last mile delivery individuals
  • Firms of all sizes
  • New technologies
  • New ventures


Below we have compiled some commonly asked questions that explain the key features of Last Mile Delivery Insurance, from essential elements of insurance to optional add-ons, to ensure that you and your business have the right cover.

If you have any more questions or would like a quote call our expert team, request a call back or fill in a quote form.

What vehicles are eligible for Last Mile Delivery Insurance?

Plan can arrange Last Mile Delivery Insurance policies for firms using all types of vehicles. That may include electric bikes, cars and vans. Alternatively standard push bikes, cargo bikes, scooters, motor cycles, cars and vans.

What is Last Mile Delivery Insurance?

Last Mile Delivery Insurance is essentially a courier policy. However due to the non-standard vehicle types and business models that are used by last mile delivery firms it is often more challenging to obtain competitive insurance premiums for last mile delivery.

A Last Mile Delivery Insurance will be designed to meet the needs of firms or individuals that deliver customers goods often using modes of urban mobility such as a bike or electric vehicle. The motor liability for an electric car will need to be covered by law. Firms will also want to protect their assets, for example to protect a bike against theft of damage when it is secured as a drop off is made.

Last Mile Delivery drivers are often attempting to make multiple drops under time pressure whilst searching for drop off points in congested areas. These factors often lead to high claim frequencies.

The value of the parcels and packages being delivered should also be considered for cover under a separate Goods in Transit policy.

Client Risk Management Services

Having the right risk management in place with correct up to date document templates, checklists and guides can help you minimise liabilities that can have a substantial impact on your companies’ profits.

Plan offer your business personalised health and safety documents, risk assessments, method statements and much more. These additional documents are supplied to you at no extra cost when you take out a policy with Plan.

Our risk management services can include business continuity templates (that will need updating annually) which you can use as guidance and to track your business operations. With this, you will also receive regular notifications regarding legislation changes that are relevant to your business.

Follow the link to see our specialist fleet risk management tools.

Who requires Last Mile Delivery Insurance?

Last Mile Delivery firms that are paid to deliver goods to customers and use a motor vehicle have a legal obligation to have motor insurance.  It’s important to ensure that your company has appropriate protection. A standard private or commercial vehicle policy does not supply cover for the delivery of goods. You will need a specialist Last Mile Delivery courier insurance.

Last Mile Delivery firms will legally also need employers’ liability if they have staff. We would recommend Goods in Transit as well as cover for their own business assets as a minimum level of protection.

What is the risk of not taking out Last Mile Delivery insurance?

Motor insurance is a legal requirement. If your firm is driving without this cover it is illegal and you could face prosecution.

Without suitable Last Mile Delivery insurance your motor vehicle and the items being delivered also risk not being covered. Should an incident occur in connection to your Last Mile Delivery business you may not receive reimbursement for your own and your customers’ losses.

Does Last Mile Delivery Insurance include cover the items being delivered?

Last Mile Delivery Insurance does not provide cover for the customer’s goods. You will need to arrange goods in transit cover for this protection to be put in place.  Your account executive will discuss the worth of the items being delivered in order to specify both an individual limit and the total value of the goods being transported. Cover will be provided for theft and damage though policy exclusions will apply. So you should take time to read the small print and have any points that aren’t clear explained to you.

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