You will need courier insurance, which is also known as hire and reward, or H&R cover. This is not the same as standard motor insurance or goods in transit insurance.

If you work for an app-based delivery service, you will likely be considered self-employed. For this, you need courier hire and reward cover to legally deliver in the UK. This is something you are responsible for securing and paying for, so always consider self-employed courier insurance cost s before you begin this work. 

No, standard car insurance is not the same as courier car insurance. Courier insurance for a car will protect you while you use the car for delivering parcels or food for payment. While your main insurer may offer this, it is typically sold as a separate policy, rather than an additional ‘usage’ category or add-on to your existing policy.

Only if it includes hire and reward cover. Even if your standard car insurance covers you for business use, it will not cover delivery work. Business use is only designed for things like visiting clients or travelling to other work-related destinations. So if you are looking for business courier insurance, you will need to make sure your policy has hire and reward cover specifically.

Commercial vehicle insurance offers a range of coverage for those whose vehicles are central to their work. This can include couriers, lorry and delivery drivers, and taxi drivers to name a few. It is an umbrella term that can include various levels of insurance coverage including hire and reward, goods in transit insurance, public liability insurance, and any driver courier insurance.

Courier insurance is designed to protect delivery drivers and their vehicles, whereas goods in transit insurance protects the goods you are delivering. Goods in transit insurance is typically available as an add-on and can be included under courier insurance as an extra form of coverage.

Courier insurance can be sufficient for couriers who make multiple deliveries of low-value goods in a day. Whereas goods in transit insurance is a good choice for long-distance deliveries carrying much more valuable cargo. Drivers who need this cover are usually driving trucks or HGVs.

Yes, couriers make short-distance or multi-drop style deliveries. So you are likely considered a courier, whether you are delivering fast food for your local takeaway, pizza for Domino’s, or working as an Uber Eats courier.

If you carry out deliveries with standard car, van or bike insurance, you will likely find that any claims you need to make are rejected. This can cause major difficulty and expense when it comes to paying for damages alone and getting insured in the future. 

Yes, with courier fleet cover you can protect any 2 or more vehicles under one policy. This can cover a range of vehicles, including cars, vans, motorbikes, and pickups. This can be a cheaper option than ensuring each vehicle separately, while also making renewals easier. 

Yes, young drivers will likely pay more for vehicle insurance across the board. This is a shame as courier work offers a flexible job to young people and students just starting out. However, the statistics around young drivers’ safety on the roads can not be denied, and this is why they will pay more for courier insurance. 

This is difficult to say as insurance costs are personalised to each individual and their risk. EVs are not cheaper to insure as a rule. However, the high cost of the vehicle and its parts, and the expertise needed to make repairs, could mean higher insurance costs.