Public Liability Insurance vs Vehicle Insurance

If something goes wrong while you're on a job — like property damage or an accident — it’s important to know which insurance covers what.

This guide helps you understand the difference between Public Liability Insurance and Vehicle Insurance, so you can take the right steps if you ever need to make a claim.

🔹 Public Liability Insurance

This applies when an incident happens while you're off the vehicle, during the delivery process.

✅ When It Applies:

You accidentally damage a customer’s property while delivering (e.g. breaking a shelf, knocking over a wall)
You drop a parcel and it damages the floor or another item
Someone gets injured while you're delivering (e.g. slips, trips caused by you)

📦 What It Covers:

Damage to third-party property
Injuries to customers or bystanders
Any related legal or medical expenses

🔐 Important:

This does not cover anything related to your vehicle
If you're making a claim, you must provide a valid claim number within 2 days of notifying GoPeople
Having Public Liability Insurance is highly recommended, especially for regular Runners

🚗 Vehicle Insurance

This applies when an incident happens while you are driving, whether you're on the way to a delivery or at a customer's location.

✅ When It Applies:

You reverse into a wall or gate
You hit another car in a driveway or car park
You’re involved in a road accident during a delivery

📦 What It Covers:

Damage to other vehicles or property
Damage to your own vehicle (if you have comprehensive cover)
Medical costs (depends on your policy)

🔐 Important:

CTP (Compulsory Third Party Insurance) is legally required in Australia
We highly recommend you have comprehensive vehicle insurance to protect yourself and others

📌 Quick Comparison

Situation	Use This Insurance	Covers
You break something while delivering on foot	Public Liability	Property damage, injuries
You reverse into a fence or car	Vehicle Insurance	Vehicle/property damage
Someone trips over your trolley	Public Liability	Personal injury
You crash while en route	Vehicle Insurance	Vehicle damage, liability

✅ What To Do If Something Happens

Stay calm and safe
Work out whether the incident happened while driving or on foot
Use the correct insurance to make your claim
If you wish to settle the claim through insurance, please make sure to send your claim number to GoPeople within 2 days

Having the right insurance protects you, the customer, and your delivery reputation.
If you’re not sure whether your coverage is up to date, take a few minutes to review your policies — it’s worth it.

Need help or unsure what to do? Contact GoPeople Support through the app.