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Courier Hire and Reward Insurance

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What is courier hire and reward insurance?

Why do couriers need specialist insurance?

With standard vehicle insurance, you won’t be covered for transporting other people’s goods, even if you have business use cover. With specialist courier insurance, you get coverage tailored to delivery drivers, whether you are carrying parcels or food.

This insurance covers the increased risks involved when you work as a courier. Not only do you spend more time on the road, but you also visit other people’s properties and homes. So the chance of accidents or damage occurring is much higher and needs to be adequately covered with delivery insurance.

Who needs courier insurance?

If you earn money by delivering parcels, groceries or any other third party goods, you will need courier hire and reward insurance in the UK. This is also known as H&R or commercial vehicle insurance.

This insurance offers the appropriate coverage for multi-drop deliveries and could cover working for popular companies like Amazon, Evri, DHL, Yodel, Deliveroo, Just Eat, or Uber Eats. It is also available for a range of delivery vehicles including cars, vans, motorbikes, scooters, and bikes.

Is courier insurance a legal requirement?

Yes, if you work as a courier in the UK you will legally need hire and reward insurance. You could also need goods in transit insurance, however, this cover is tailored to long distance deliveries that are more common for lorries and large commercial vans.

For multiple deliveries made in a small area, courier delivery driver insurance will keep you safe and legal while you work. You need this cover regardless of whether you are delivering full-time, picking up part-time or seasonal courier work, or working as a self-employed courier.

What our experts say:

“There could be thousands of delivery drivers working across the UK without realising their insurance is not valid.  With the cost-of-living soaring, millions of people are taking a hard look at their finances and seeking additional ways to earn a little extra cash” – Greg Wilson, Founder of Quotezone.co.uk

Types of courier insurance policies

Courier insurance for different delivery vehicles

With so much demand for home delivery, services are utilising every possible vehicle. Deliveroo bicycle couriers are a common site, while companies like Tesco, Evri and Amazon Flex still focus on vans and cars. You’ll have the option of:

Courier van insurance
Hire and reward car insurance
Scooter, moped or motorcycle courier insurance
Bicycle delivery insurance

Coverage options on courier insurance policies

Just like with standard motor insurance policies, you’ll have the option of:

The option you choose will dictate the core coverage on your policy, so it’s important to review these carefully. You’ll also have to specify how you use the vehicle. For example, if you also rely on the van or car for social, domestic and pleasure use, make sure this is covered alongside your courier work.

Temporary courier insurance options

If you are only taking on seasonal or temporary courier work, you might benefit from short-term or temporary courier insurance. This is not offered by every courier insurance provider but is still widely available and often more cost-effective when compared to annual policies.

Pay as you go courier insurance

Pay as you go parcel and food delivery insurance options also allow for more flexible and tailored coverage for temporary couriers. With a lot of courier work, like Amazon delivery driving, acting as a side gig or second source of income, this can help keep courier insurance costs down.

Specialist food delivery insurance

Some insurers will specialise in fast food delivery insurance with products like Uber Eats insurance. Temporary and pay as you go food delivery insurance is also available, giving you all the benefits of flexible insurance while tailoring coverage to your exact job.

What does courier insurance cover?

Hire and reward insurance coverage

Hire and reward insurance for the UK allows you to legally take on courier work. Depending on the cover you choose, it will generally protect your delivery vehicle itself, and accidental damage you cause to other people or their property while making deliveries.

As an example, if you have fully comprehensive hire and reward car insurance, you will be protected against damage to your car, even if you were at fault. This can be vital when you rely on your car or delivery van for both transportation and income.

Public liability insurance for couriers

Public liability insurance offers more comprehensive protection from harm or damage you accidentally cause to the public or their property while working as a delivery driver. It is commonly combined with courier insurance to protect you while you work around others.

This can offer financial support for any legal expenses and compensation claims you face through your work. This can be especially important if you are a self-employed delivery driver without the financial backing of a large delivery firm.

Additional coverage options for couriers

With so much reliance on your vehicle as a source of income, you might want to consider extra levels of coverage too. These are often available as add-ons to standard courier insurance policies.

Popular options with courier drivers include:

Car key cover. Modern car keys can be costly to replace, and with a lot of jumping in and out of your vehicle on delivery, yours could be more at risk than most.
Personal belongings cover can protect your belongings in the car, including devices you use for navigation, communication, or recording.
Windscreen cover. It is illegal to drive with extensive windscreen damage, so this can help you get back to work quickly if you get a crack.
Breakdown and roadside assistance to help recover you and your vehicle if you break down unexpectedly.
Courtesy car cover on courier car insurance. This means you are not stuck without transportation and work while your vehicle is being repaired.
Car key cover. Modern car keys can be costly to replace, and with a lot of jumping in and out of your vehicle on delivery, yours could be more at risk than most.

What is not covered by courier insurance?

Hire and reward insurance won’t cover you if you deliver high-risk or hazardous goods over long distances, for example, between warehouses, or docks. It also does not cover the actual items you are delivering. These will require goods in transit insurance.

How much is courier insurance?

Generally, courier insurance for a car or van will cost more than standard car or van insurance policies. The cost of your courier insurance will be tailored to match your level of risk. Knowing what insurers see as a risk can help give you an idea of what you will pay, and could even help you find cheap hire and reward insurance quotes.

What affects the cost of courier insurance?

Your details and driving record – Details like your age, any other occupation, and your past driving history and convictions.
Your vehicle – The make, model, and value of your vehicle, as well as its annual mileage, and how you plan to use it.
Where you live and work – Your address, where you keep your vehicle when it is not being used, and the area you deliver in.
What you deliver – Whether you are looking for Uber Eats insurance, or van courier insurance for parcels, what you deliver can come with different risks.
The cover you choose – Add-ons and additional coverage usually come at an extra cost.

Your insurance history – If you have had an insurance policy cancelled or voided, or if you have built up a no-claims bonus.

How can I find cheap courier insurance quotes?

Looking for the cheapest hire and reward insurance quotes can be essential to keeping your business costs down. However, don’t let low costs come above finding comprehensive insurance. Some methods to keep courier insurance costs down include:

Choosing the right vehicle – The cost of courier insurance for a van can be higher than that for a car, particularly if the market value of the van is higher.
Maintain a clean driving record – Motoring convictions can increase the cost of insurance. For example, those looking for cheap food delivery insurance could pay more if they have points on their licence.
Only choose necessary cover – Including extras you don’t need or won’t use can add unnecessary costs.
Pay premiums annually – Although spreading the cost can be tempting, you will usually pay more overall if you opt for monthly payments rather than one annual payment.

Compare courier insurance quotes – Using online comparison websites like Quotezone could help you find a cheaper deal on courier insurance.

How to get courier hire and reward insurance

Criteria and restrictions

Unlike standard insurance, you could have to meet more criteria to get courier car insurance. For this and other courier insurance policies, providers can require you to:

Be aged 21-65
Hold an EU or UK licence
Have no motoring convictions
Declare any necessary medical conditions to the DVLA
Have no past policies that have been cancelled or voided

Information you need to apply for courier insurance

How many vehicles you are insuring. This will dictate if you need courier or courier fleet insurance.
The type of vehicle you are insuring & its registration, or make and model.
Details on what goods you transport, and where you deliver.
Your past driving and insurance record including any no-claims bonuses.
The type and level of coverage you want to include on your policy.
Basic personal details like your name, age, and address.

How to compare courier insurance

When comparing courier insurance policies, the first things to consider are what coverage you want and what you can afford. When you compare with Quotezone, we only match you to trusted UK courier insurers who offer the coverage you need.

Comparing as many providers as possible can help you evaluate your options. Always be sure to consider the limits and exclusions of the policy alongside the coverage and premium before you buy.

Get courier insurance quotes

Courier insurance for different vehicles

Courier car insurance

Courier van insurance

Motorcycle and scooter courier insurance

Courier insurance for bikes

Self employed courier insurance

While some courier services offer their workers some level of insurance coverage, it is not common practice and is unlikely to be comprehensive. If you are technically a self employed courier or independent contractor, you’ll need your own self-employed courier insurance. Companies like Amazon and Uber Eats will often require you to upload your insurance documents before you can start working for them. So securing food delivery insurance in the UK not only protects you and your car from the financial fallout that can follow accidents. It is also key to securing your job.

Specialist courier insurance options

Fast food insurance for apps like Just Eat and Deliveroo

Because what you deliver affects the risk of insuring you as a courier, many insurers will specialise in insuring one type of delivery driver. Searching specifically for hire and reward insurance for food delivery will allow you to find insurers who can match your needs.

Amazon Flex and Evri courier insurance

Similarly to fast food delivery insurers, certain insurance providers will favour drivers who deliver parcels. Options like specialist Evri insurance can have tailored coverage to match the risks specific to drivers who deliver a wider range of materials.

Pay-as-you-go courier insurance

With many couriers picking up delivery driving as casual and part-time work, flexible insurance options are widely available. Pay-as-you-go and top-up courier insurance options allow short-term protection that can match the needs of those working in the gig economy.