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Compare hire and reward courier insurance quotes for cars, vans, bikes and lorries with Quotezone
Courier insurance is important if you drive a van, car, bike or truck to deliver goods in transit to your valued customers.
Working out what insurance you need when you transport goods for other people can be confusing. But it’s vital to have the right kind of cover to ensure your courier vehicle and your deliveries are protected – here’s what to consider.
What is hire and reward insurance?
Hire and reward insurance or ‘carriage of goods for hire or reward’ is a type of courier insurance. It’s a specific type of insurance that covers you if you transport items or make a number of deliveries to different people within a particular area – for instance if you’re a furniture remover or courier.
Hire and reward delivery insurance isn’t the same as haulage insurance although it’s easy to confuse the two. Haulage insurance is only suitable if you’re covering long distances making one or two deliveries, like HGV drivers travelling across the UK or Europe.
What does hire and reward courier insurance cover?
If you have a fully-comprehensive hire and reward insurance policy then both third parties and your own delivery vehicle should be covered if you’re ever involved in an at-fault accident.
Some insurers will allow you to include ‘goods in transit cover’ as part of your hire and reward insurance policy, which means the goods you’re transporting would be covered too.
Insurers do set their own policy features and exclusions though, so when you compare policies it’s crucial to check terms and conditions so that you’re clear about what is and isn’t covered.
Can I buy hire and reward insurance for food delivery?
Yes, if you’re a fast food delivery driver, then you’ll also be able to buy hire and reward insurance for your needs.
However, remember that insurers set their own terms and conditions so it’s a good idea to double check that fast food or takeaway delivery is covered under their specific hire and reward policy. Some providers don’t automatically cover food deliveries which could be down to the perceived increased risk of driving (mainly) at night.
If you’re in any doubt, it’s always best to ask the insurer just to be on the safe side.
Do I need hire and reward delivery insurance by law?
Yes, you’ll need some form of hire and reward or courier insurance before you start making deliveries, because a regular, run-of-the-mill insurance policy won’t cover you while you’re delivering goods. In fact, if you begin making deliveries on a ‘hire and reward’ basis and you only have a standard insurance policy that policy could be invalidated.
How much does hire and reward insurance cost?
Premiums for hire and reward insurance will vary depending on a number of factors, including:
- The overall policy you choose and any other features it includes. For example: a comprehensive policy including hire and reward plus a courtesy van is likely to cost more than a policy offering just third party only cover plus hire and reward.
- Whether you’ve made an insurance claim in the last five years. A recent claim can push up your premium.
- The nature of your job and the types of goods you’re delivering or transporting.
- The type of vehicle you own – the larger or more powerful it is, the more you can expect to pay.
When it comes to comparing quotes, it’s vital that any policy you choose covers your needs. If it doesn’t, you could find yourself footing the bill for expensive repairs and covering the cost of damaged goods.
While price is undoubtedly an important part of choosing a policy, it shouldn’t necessarily be the overriding factor when you’re trying to compare hire and reward insurance. Cheaper policies may have more exclusions or limitations which could mean you need to add on the protection you need – increasing the cost.
On the other hand, more expensive policies might already include everything you need, in which case, they could represent better value for money.