Hire and Reward Insurance

Vans and lorries are some of the most common vehicles that need this insurance. Depending on your industry and the goods you carry, you could benefit from adding goods in transit cover to this policy too.

Both business and privately owned cars can use this insurance. If you are a self-employed courier or working with delivery apps like Evri, you can use this insurance to protect you while you work. 

Deliveroo, Uber Eats and Just Eat are key sources of income for many. Insurers have met this need by offering specialised hire and reward food delivery insurance. This offers competitive coverage tailored to this work. 

Temporary policies can be ideal for seasonal hire and reward work during busy seasons like Christmas and Black Friday. These short-term hire and reward policies cover you for a specified length of time, so you don’t waste money on cover you don’t need.  

A lot of providers won’t offer this insurance to drivers under the age of 25 because of the high-risk profile of this demographic. While this makes finding cover more difficult, using comparison websites can help.

When you get hire and reward insurance quotes at Quotezone, we match your needs to policies from a range of UK insurers. You’ll only get quotes that match your needs, so you don’t waste any time with insurers who can’t cover you.  

Pay as you go policies can be a great option if you do this work part-time or at irregular hours. It is a flexible cover, typically billed by the minute and tracked via an app, with a minimum cover period, and can be paused when you are not working. It works for some. 

However, if you are simply looking for cheap hire and reward insurance, it can still be more cost-effective to take out an annual or temporary policy, depending on how much you work. Do all the calculations before you buy, and don’t just assume this is your cheapest option.

• Third-party liability – Covering injury or damage caused to other people or their property while you’re working.
• Vehicle damage in an accident – Comprehensive coverage pays to repair or replace your vehicle if it’s damaged in an accident.
• Fire, vandalism, or theft – Protecting your vehicle against loss or damage caused by unexpected incidents or theft.

• The goods in transit – If you want to protect the things you are delivering from damage or theft while in transit, you will need additional cover. 
• Using a vehicle outside the insured class – For example, using a car that is only insured for food delivery to transport other goods.
• Unauthorised drivers – To insure others, you will need to add them as named drivers on this policy, or choose ‘any driver’ cover.
• Work outside the UK – Most insurers will only cover you to do this work within the UK, unless you have specific European coverage.

Choosing a higher excess can lower your annual premium.

See if this option could save you money compared to an annual policy.

A long claim-free history can reduce your premiums.

Having an alarm or immobiliser could reduce the risk of theft and lower your premium.

Smaller, lower-risk vehicles usually cost less to insure.

Shopping around helps you find the best price.