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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…
Hire and RewardInsurance
Hire and Reward Insurance
Your motor insurance has to match how you use the vehicle. If you’re paid to carry other people’s goods, hire and reward is the cover that makes it legal, in a car or van.
Your motor insurance has to match how you use the vehicle. If you’re paid to carry other people’s goods, hire and reward is the cover that makes it legal, in a car or van.
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Legally requiredCars & vansPersonal use added
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What is hire and reward insurance?
Hire and reward is the class of use your motor insurance needs when you’re paid to carry someone else’s goods, parcels, food or freight. Insurance has to match how you actually use the vehicle, and social, domestic and business use don’t include paid deliveries. It can usually be extended to cover your personal driving too, so one policy does both.
“If you’re paid to carry goods without hire and reward cover, you’re effectively driving uninsured, whatever else your policy includes.”
You’re likely to need hire and reward insurance if:
You’re paid to deliver parcels, food or goodsYou drive for a delivery platform or appYou carry goods belonging to customersYou need proof of cover before starting workYou’re a self-employed courier or driverYour standard policy excludes paid carryingYou’re unsure if business use is enoughYou use the same vehicle for personal driving
Hire and reward cover for whatever you drive
Hire and reward cover for whatever you drive
The right policy depends on your vehicle and what you carry, so explore the option that fits.
The right policy depends on your vehicle and what you carry, so 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 courier and platform work, alongside your personal driving.
Fast Food Delivery
Hire and reward cover for car-based food delivery work.
Goods in Transit
Hire and reward covers the vehicle, not the load. Goods in transit protects what you’re carrying.
Courier Fleet
Hire and reward cover across several delivery vehicles under one policy.
Courier Liability
Public liability for injury or damage you cause at a pickup or drop-off, away from the vehicle.
What could go wrong and what covers it?
What could go wrong and what covers it?
Hire and reward claims usually involve an accident during paid work, goods lost or damaged in the vehicle, or injury and damage at a collection or delivery address.
Hire and reward claims usually involve an accident during paid work, goods lost or damaged in the vehicle, or injury and damage at a collection or delivery address.
You have an accident while delivering, but your policy excludes paid work, so the claim is refused.
Is hire and reward insurance right for you?
This type of cover may be suitable for a wide range of paid delivery work. The right policy depends on your vehicle, what you carry and whether you also use it for personal driving.
This cover may be suitable for:
Self-Employed CouriersFood Delivery DriversSame-Day & Contract CouriersHaulage OperatorsMulti-App Gig DriversDelivery Fleet OperatorsNew Delivery DriversAnyone Unsure of Their CoverReal-world risks. Real-world protection
Real-world risks. Real-world protection
These are the situations hire and reward drivers face most often, and the cover that responds in each case.
These are the situations hire and reward drivers face most often, and the cover that responds in each case.
Accident while delivering
You’re involved in a collision while carrying a paid delivery.
Potential cover
Hire & Reward Cover
Goods damaged
A parcel or order is damaged while in your vehicle.
Potential cover
Goods in Transit
Property damaged on delivery
You accidentally damage a customer’s gate, door or property.
Potential cover
Courier Liability
Vehicle breaks down
Your vehicle breaks down mid-shift, affecting your earnings.
Potential cover
Breakdown & Hire Vehicle, subject to policy terms
Which hire and reward option is right for you?
Which hire and reward option is right for you?
Hire and reward is for carrying someone else’s goods for payment. Your own goods, fare-paying passengers and the load itself each need different cover, here’s how they compare.
Hire and reward is for carrying someone else’s goods for payment. Your own goods, fare-paying passengers and the load itself each need different cover, here’s how they compare.
| Product | Best for | Common use |
|---|---|---|
Courier Van | Van-based parcel delivery | Multi-drop and single-drop delivery |
Courier Fleet | Multiple delivery vehicles | Delivery fleets and platforms |
Taxi & Private Hire | Licensed passenger work | A separate passenger policy, not goods cover |
HGV Fleet | Haulage and freight | Long-distance commercial haulage |
Goods in Transit | Protecting goods carried | Add-on alongside hire and reward |
Business Van | Own-goods, non-paid carrying | Trades, tools and own deliveries |
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 work
What you carry for payment, who you carry it for, and your annual mileage.
2
Tell us about your vehicle
Its type and value, and whether it’s used for personal driving as well.
3
We compare hire and reward insurers
Standard policies exclude paid carriage. We find insurers who cover it properly.
4
Choose your cover
We explain what’s included so you’re not caught out by an exclusion.
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.
Hire and reward insights & guides
Hire and reward 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 hire and reward insurance, cost and cover.
Find quick answers to common questions about hire and reward insurance, cost and cover.
Hire and reward is the class of use that allows you to carry goods or passengers for payment. It is the foundation of almost every courier and delivery policy.
Still have questions?
Our advisers are here to help you find the right solution.
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