Self-employed courier work is usually discussed as hire-and-reward motor cover: you are paid to carry other people’s goods. Social, domestic and pleasure, or commuting-only, policies are a different class of use. Goods-in-transit is a separate conversation. It is about the load, not the van. Operators sometimes require a minimum limit. That is their requirement, not a rule we set. Medical, high-value or temperature-controlled work can add extra conditions. Confirm those with the operator and the person who sells the policy. Read the schedule, the excess, and what happens if the van is off the road. This is not a recommendation to buy a product. It is a list of questions to take to a regulated broker. Figures and examples on this site are illustrative. They are not financial, legal or insurance advice. Check current rules with the relevant authority or a qualified adviser.
Is social, domestic and pleasure cover enough?
Courier work is usually treated as hire and reward. A commuting or social policy is often not enough. A regulated broker should confirm what the schedule actually covers.
Is this insurance advice?
No. Speak to a regulated broker and read the schedule before you move a parcel.