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A Guide To Evri, Amazon, And Other Self Employed Delivery Driver Insurance
Are you considering becoming a self-employed delivery driver but wondering what type of insurance you will need? Working on your own schedule can be…
CourierInsurance
Courier Insurance
Cover for self-employed couriers and delivery drivers, whatever you drive and whoever you deliver for.
Cover for self-employed couriers and delivery drivers, whatever you drive and whoever you deliver for.
Hire & reward coverCars & vansMulti-app drivers
Compare from trusted insurers
Speak to a specialist 0330 808 1119
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What is courier insurance?
Courier insurance isn't one single policy. It's a combination of covers built around delivery work: hire and reward for the vehicle, optional goods in transit for what you carry, and public liability for damage or injury you cause while working.
“Working for a delivery platform doesn’t automatically mean you’re insured. Many platforms expect you to arrange your own hire and reward cover.”
You’re likely to need courier insurance if:
You're paid to deliver parcels, food or goodsYou drive for a delivery app or platformYou carry goods belonging to customersYou need proof of cover before starting workYou're a self-employed driverYour standard policy excludes paid delivery workYou're unsure if your platform's cover is enoughYou want cover across more than one vehicle
Find courier cover built around how you deliver
Find courier cover built around how you deliver
The right policy depends on your vehicle and what you carry. Explore the option that fits.
The right policy depends on your vehicle and what you carry. Explore the option that fits.
Courier Van
Hire and reward cover for van-based parcel and multi-drop delivery work.
Courier Car
Hire and reward cover for car-based delivery and courier work.
Fast Food Delivery
Cover for car-based food delivery work.
Goods in Transit
Optional cover for the value of what you’re carrying, separate from the vehicle.
Hire & Reward
The core cover every paid courier needs, across cars, vans and more.
Courier Liability
Cover if your work causes injury or damage to someone else’s property.
What could go wrong, and what covers it?
What could go wrong, and what covers it?
The most common courier claims involve road accidents on a round, goods lost or damaged in the vehicle, injury or damage at a delivery address, and theft from a parked van.
The most common courier claims involve road accidents on a round, goods lost or damaged in the vehicle, injury or damage at a delivery address, and theft from a parked van.
You assume your delivery app’s insurance covers you, but it doesn’t extend to your own vehicle.
Is courier insurance right for you?
This type of cover may be suitable for a wide range of paid delivery work. The correct policy depends on the type of vehicle, how it is used, who drives it and how many vehicles your business operates.
This cover may be suitable for:
Self-Employed Parcel CouriersFood Delivery DriversMulti-App Gig DriversSame-Day & Courier NetworksGrowing Delivery BusinessesNew CouriersContract & Platform DriversAnyone Unsure of Their CoverReal-world risks. Real-world protection
Real-world risks. Real-world protection
The situations couriers claim for most, and the cover that responds to each one.
The situations couriers claim for most, and the cover that responds to each one.
Accident while delivering
You're involved in a collision while carrying a paid delivery.
Cover required
Hire & Reward Insurance
Goods damaged
A parcel or order is damaged while in your vehicle.
Cover required
Goods in Transit Insurance
Property damaged on delivery
You accidentally damage a customer’s gate, door or property.
Cover required
Courier Liability Insurance
Vehicle breaks down
Your vehicle breaks down mid-shift, affecting your earnings.
Cover required
Breakdown & Hire Vehicle
Which courier cover do you need?
Which courier cover do you need?
Most couriers start with hire and reward motor cover, then add goods in transit for the parcels and public liability for doorstep claims. Which combination you need depends on what you carry and who you deliver for.
Most couriers start with hire and reward motor cover, then add goods in transit for the parcels and public liability for doorstep claims. Which combination you need depends on what you carry and who you deliver for.
| Cover | Who it’s for | What to check |
|---|---|---|
Hire & Reward | Anyone paid to carry goods | The class of use you legally need before any paid drop |
Courier Van | Multi-drop and parcel rounds | Mileage, number of drops and overnight parking |
Courier Car | Car-based courier and platform work | That personal use is included alongside delivery use |
Fast Food Delivery | Takeaway and app delivery | That hire and reward covers every platform you deliver for |
Goods in Transit | Protecting the load itself | The limit per load, and overnight conditions |
Courier Liability | Doorstep damage and injury | The indemnity limit your contracts require |
How the quote process works
How the quote process works
Simple steps. Expert advice. The right cover for your business.
Simple steps. Expert advice. The right cover for your business.
1
Tell us about your courier work
Multi-drop, same-day or contract work, and which platforms you deliver for.
2
Tell us about your vehicle
Car or van, its value, and your typical daily mileage.
3
We compare courier insurers
Hire and reward cover is required for paid deliveries. We find insurers who specialise in it.
4
Choose your cover
Add goods in transit and public liability where your contracts require them.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Courier insights & guides
Courier insights & guides
Practical advice on hire and reward, goods in transit and choosing the right cover.
Practical advice on hire and reward, goods in transit and choosing the right cover.
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Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about courier insurance and what you actually need.
Find quick answers to common questions about courier insurance and what you actually need.
Courier insurance is a combination of covers for paid delivery work: hire and reward cover for the vehicle, optional goods in transit cover for what you carry, and public liability for damage or injury you cause while working.
Still have questions?
Our advisers are here to help you find the right solution.
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