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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…
Courier CarInsurance
Courier Car Insurance
Hire and reward cover for delivering parcels in your own car, for Amazon Flex, Evri, same-day and multi-drop couriers.
Hire and reward cover for delivering parcels in your own car, for Amazon Flex, Evri, same-day and multi-drop couriers.
Enter your vehicle registration
Use your own carAmazon Flex acceptedPersonal use included
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Speak to an adviser today 0330 808 1119
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What is courier car insurance?
Courier car insurance is motor insurance for people who are paid to deliver goods or parcels using a car. It includes hire and reward use, the class of cover required by law when you carry other people’s goods for payment. Standard personal, commuting and most business car policies exclude it, so an accident mid-round could leave you uninsured.
Delivering in your car for money? Social, commuting and standard business use won’t cover you, courier work needs hire and reward.
The right courier car policy depends on:
Platforms you deliver forDrops per dayAnnual business mileageWhere the car is kept overnightDriving and claims historyCar make, model and value
Important Note
Delivering takeaway food rather than parcels? Hot food delivery for apps like Deliveroo, Uber Eats or Just Eat is insured differently, so you’ll need fast food delivery insurance instead.
What kind of car courier work do you do?
What kind of car courier work do you do?
Start with how you deliver, we’ll point you to the cover that fits your round.
Start with how you deliver, we’ll point you to the cover that fits your round.
Delivering for Amazon Flex?
Amazon Flex expects you to hold your own hire and reward cover before collecting a block. We’ll arrange a policy that meets it.
Self-employed for Evri or Yodel?
Multi-drop parcel rounds in your own car, covered for the way round-based couriers actually work.
Running same-day or urgent jobs?
Point-to-point deliveries of documents, parts or samples, often over longer distances.
Outgrowing your car?
If your volumes now need a van, courier van insurance gives you the same hire and reward protection.
Worried about the parcels?
Hire and reward covers the car, not the load. Add goods in transit to protect what you carry.
Cover options for courier car drivers
Hire & Reward Cover
The legal essential for paid delivery work. Without it, a claim during a round can be refused.
Courier Liability
Covers claims if your work injures someone or damages their property on a drop.
Goods in Transit
Protects the parcels and goods in your car against loss, theft or damage while you deliver.
Level of Cover
Choose third party, fire and theft or comprehensive, depending on your car’s value.
Breakdown Recovery
Get back on the road quickly so a breakdown doesn’t cost you a full day of drops.
Which car insurance covers courier work?
Which car insurance covers courier work?
Only a policy that includes hire and reward is valid when you’re paid to deliver goods.
Only a policy that includes hire and reward is valid when you’re paid to deliver goods.
| Type of cover | Valid for courier work? | What it’s for |
|---|---|---|
Social, domestic & pleasure | No | Personal driving only, with no work use of any kind |
Commuting | No | Driving to and from one regular place of work |
Business use (class 1) | No | Travelling between sites or visiting clients yourself |
Business use (class 2 & 3) | No | Business driving by other named drivers or sales travellers |
Hire and reward (courier) | Yes | Paid parcel, multi-drop, Amazon Flex and same-day deliveries |
Goods in transit | Add-on | Protects the parcels you carry, not the car itself |
Courier liability | Add-on | Injury or property damage you cause during a drop |
Courier van insurance | Yes | Couriers whose delivery volumes now need a van |
Top Tip
Check your certificate of motor insurance. If it doesn’t mention hire and reward, your current policy won’t cover paid deliveries, even occasional ones.
What affects the cost of courier car insurance?
What affects the cost of courier car insurance?
Courier car insurance has no fixed price. It depends on how many drops you do, your annual mileage, the car you drive, where it is kept overnight and your driving and claims history.
Courier car insurance has no fixed price. It depends on how many drops you do, your annual mileage, the car you drive, where it is kept overnight and your driving and claims history.
Who needs courier car insurance?
Anyone paid to deliver goods in their own car needs hire and reward cover, whether you run a full multi-drop round or take Amazon Flex blocks.
Courier car cover is built for:
Amazon Flex driversEvri and Yodel couriersSame-day and urgent couriersNew couriersMulti-drop parcel roundsDocument and legal couriers
Trusted by couriers across the UK
Trusted by couriers across the UK
From Amazon Flex blocks to full-time multi-drop rounds, couriers rely on us to get them on the road properly covered.
From Amazon Flex blocks to full-time multi-drop rounds, couriers rely on us to get them on the road properly covered.
How the quote process works
How the quote process works
Simple steps. Expert advice. The right cover for your courier work.
Simple steps. Expert advice. The right cover for your courier work.
1
Tell us what you need
Tell us which platforms you deliver for, how many drops you do and your annual mileage.
2
Talk to an expert
We’ll talk through your courier work and confirm you have the right hire and reward cover.
3
Compare your options
We’ll compare courier car policies from our insurer panel, with goods in transit and liability if you need them.
4
Get covered
Once you’re happy, we finalise your policy and send your documents so you’re covered for your next round.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpCourier insights & guides
Courier insights & guides
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Courier car insurance FAQs
Courier car insurance FAQs
Straight answers on hire and reward, Amazon Flex cover and what courier car insurance includes.
Straight answers on hire and reward, Amazon Flex cover and what courier car insurance includes.
Courier car insurance covers a car used to deliver goods for payment. It is written on a hire and reward basis, which ordinary car insurance does not include.
Still not sure what cover you need?
Our courier specialists can check your platforms and mileage and recommend the right policy.