Graham Knight

Founder and Managing Director of GSK Insurance (established in 1981). Graham draws upon more than 50 years’ experience in the insurance industry, working in both insurance and broking across various private, public and government sectors in Australia.

208 articles published

A courier looking concerned while talking on a mobile phone next to stacked delivery boxes.

Why Courier Insurance Claims Get Denied (And How To Avoid It)

Couriers InsuranceJune 5, 202630KViews 0Likes 0Comments

Most courier work runs without issue. Pickups, drop-offs and deliveries all move as expected, and insurance sits in the background as something you hopefully never need to think about. It’s only when something goes wrong that it really comes into focus. A claim gets raised, and suddenly the situation isn’t just about what happened on the…

Courier vehicle damaged in roadside accident

What Actually Happens If You Have an Accident as a Courier?

Couriers Insurance, Goods in Transit InsuranceMay 29, 202623KViews 0Likes 0Comments

You're moving through your usual run, working through deliveries and keeping to your schedule, when something changes. Traffic slows suddenly, another driver makes an unexpected move, or a turn doesn't go as planned. In a moment, you're in an accident. The job stops. Most couriers assume they'll handle it the same way as any other accident. But…

Who’s Responsible When Goods Are Damaged Or Lost In Transit?

Couriers Insurance, Goods in Transit InsuranceMay 22, 202621KViews 0Likes 0Comments

A delivery goes out as planned, and nothing seems out of the ordinary. The parcel is collected, transported and dropped off like any other job. Then later, there’s a problem. A customer reports damage. An item is missing, or a delivery is questioned after the fact. That’s when the situation shifts, and a simple question comes…

Male courier delivering a parcel to a woman at her front door

Courier Insurance Explained: What You Actually Need (And What Most Drivers Miss)

Couriers InsuranceMay 12, 202621KViews 0Likes 0Comments

If you’re a courier driver, you’ve probably asked the question: ‘Do I actually need courier insurance, or is it just another cost?’ It’s a fair question. Especially when you’re trying to keep expenses under control. So let’s work out what you need. Key takeaways: Most drivers who deliver goods for payment do need courier insurance, as…

What does courier insurance cover | GSK Insurance Brokers

Insurance for Delivery Drivers in Australia: What You Need to Be Properly Covered

Couriers InsuranceMarch 28, 202620KViews 0Likes 0Comments

Quick takeaways Delivery driving in Australia comes with unique risks that standard car insurance usually doesn’t cover. Delivery driver insurance is a tailored package that protects your vehicle, the goods you carry, public liability and income if you can’t work. Most drivers need four core types of cover: Commercial Vehicle Insurance, Goods in…

Delivery worker collecting a package from a truck loaded with parcels

What Does Goods in Transit Insurance Cover?

Goods in Transit InsuranceMarch 17, 20267KViews 0Likes 0Comments

Key takeaways: Goods in transit insurance covers loss or damage to goods while they’re being transported, including theft, collisions, fire and loading incidents. Couriers can be personally liable for damaged or stolen goods while they are in their care. The policy covers physical damage to freight, but usually not indirect financial losses like…

courier fleet insurance for multiple vehicles

Courier Fleet Insurance: What Changes When You Insure Multiple Vehicles?

Owner Driver Insurance, Couriers InsuranceFebruary 23, 202620KViews 0Likes 0Comments

Key takeaways: Courier fleet insurance assesses your business as an operation, not just a collection of vehicles. Insurers price fleets based on patterns across drivers, vehicles, kilometres and claims history. Fleet-style cover can significantly reduce admin by centralising renewals, updates and documentation. Flexible fleet policies make it easier to add, remove or…

in helmet and protective glasses checking a delivery order

Motorcycle Courier Insurance: What Delivery Riders Need to Know

Couriers InsuranceFebruary 9, 202621KViews 0Likes 0Comments

Riding for delivery work looks simple on the surface. You’ve got a bike, a phone and jobs coming through. But once that riding is tied to income, the insurance side becomes more complex than many riders expect. Standard motorcycle insurance often doesn’t allow for courier or delivery use, even though riders assume they’re covered. The issue…

Why Owner-Driver Insurance Often Fails to Deliver True Value

Owner Driver InsuranceFebruary 4, 202620KViews 0Likes 0Comments

Key takeaways: Standard owner-driver insurance often underestimates the true value of working vehicles. Market value payouts can leave couriers short when replacing high-kilometre vans or trucks. Insurance gaps don’t just cost you a vehicle. They can cost you income and contracts. Agreed value cover is critical for owner-drivers who rely on their…

Is a courier franchise profitable? A look at the numbers

Couriers Insurance, Insurance BrokerJanuary 30, 20267KViews 0Likes 0Comments

The Australian courier market is expanding steadily, thanks to e-commerce growth and last-mile demand. Typical net profit margins for courier businesses range roughly 7–15%, depending on scale and service type. Start-up costs, overheads (like fuel and wages), technology and competition materially influence profitability. Partnering with insurance specialists like GSK Insurance Brokers helps…

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