Tax Benefits for Courier Drivers
For self-employed couriers, income protection premiums are generally tax-deductible when held outside superannuation.
That means you can protect your income and claim back part of the cost at tax time.
However, any claim payments you receive may be taxable income — so it’s always best to confirm details with a qualified tax adviser.
Bundling Your Cover
Courier drivers often bundle income protection with Life, TPD, or Trauma Insurance for comprehensive protection.
Together, they ensure you’re covered for:
Temporary illness or injury (Income Protection)
Permanent disability (TPD Insurance)
Critical illness like cancer or heart attack (Trauma Insurance)
Death or terminal illness (Life Insurance)
Bundling makes cover easier to manage and can reduce overall premium costs.
How Much Does It Cost?
Premiums depend on your age, income, and the nature of your work.
Couriers with higher-risk roles (e.g. freight delivery, long-haul driving) may pay slightly more — but that reflects the valuable protection they receive.
At Covered Life, we compare policies from Australia’s leading insurers to find the best value options for drivers across all risk levels.
Why Covered Life for Couriers
We understand the challenges couriers face — long days, unpredictable schedules, and no safety net if something goes wrong.
That’s why we make protecting your income simple:
Easy over-the-phone setup — no lengthy forms
Access to 10+ of Australia’s top insurers
Clear explanations without jargon
Ongoing support if you need to claim
Our goal is to help you stay financially steady, so you can focus on getting back behind the wheel when you’re ready.
Final Thoughts
Life as a courier offers freedom — but also financial vulnerability.
With Covered Life’s income protection solutions, you can keep that freedom without the fear of losing your income if illness or injury takes you off the road.
Because when you work for yourself, your ability to earn is your most valuable asset — and it deserves protection.
General advice disclaimer: This article provides general information only and does not take into account your individual circumstances. You should seek professional advice before acting on any information provided.
