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Many young drivers are choosing to start up their own businesses or join the family business. But what should you do if you’re a young driver who needs to be insured on a courier fleet? Covering young drivers on fleet insurance can get complicated,, and can leave even the most experienced business owners scratching their heads.

We’ve spoken to courier insurance specialists, Insurance Revolution, to find out what options are out there for young drivers and fleet insurance.

If you’re a young person starting your own courier business”

For young people who have decided to start up their own courier business, it’s essential that they are able to get insured on their own company vehicles. However, the truth is that not all insurers will cover young people under the age of 21 on company cars. In fact, some refuse to insure entrepreneurs under 25 years old.

That’s why it’s vital to look for an insurance policy that covers young people for their small, medium or large courier fleets. As with any policy, a young driver with fewer no claims bonuses will most likely encounter higher premiums, but it doesn’t have to be extortionate.

If you want to insure a young driver within your fleet”

If you run a family courier business and want to insure your son/daughter on your fleet or have another young driver in mind to take on as an employee, you should never just assume that they will be covered by your existing policy.

Many insurers will offer an over-25 or over-30 courier fleet policy, and some will even offer cover for drivers over 21. Which one you choose depends on what is more appropriate for your courier business. If you already have an existing policy, you need to contact your insurer directly to tell them that you would like to add a younger driver to your fleet. They will be able to guide you from there.

You can also look into other insurances that can be necessary for your vehicle fleet; for instance, motor trade insurance can insure road risks as well as cover the driver. If interested, you can check out service websites similar to to learn about additional covers you may be granted depending on your business. Add-ons might include vehicle exclusions, premises cover, leased vehicles inclusion, etc.

Why don’t all insurers provide fleet insurance for young drivers?

It’s no secret that many insurers see younger drivers as a higher risk category. Indeed, some see young drivers as more prone to accidents due to their lack of driving experience. It’s important to remember that it’s you, not the insurance company, that has the right to choose who can be trusted with one of your vehicles. However, it’s the law that each one of your drivers has adequate insurance, so shop around and don’t be disheartened if the first insurer you approach says no.

If you find that you’re having trouble finding the right courier fleet insurance policy for you, consider using an insurance broker. This saves you from approaching a wide range of insurance companies directly. Brokers have good relationships with a wide range of insurance companies, so can search through a vast amount of policies to find the one that’s perfect for you and your young driver.

Andy McGowan
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