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Courier insurance with hire and reward cover for delivery drivers and self-employed van operators. Compare quotes from specialist UK insurers via Brumble.
Hire and reward cover for couriers and delivery drivers
Self-employed and platform drivers covered
Compare quotes from specialist commercial insurers
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What Is Hire and Reward Van Insurance?
What is hire and reward insurance? It is the legal classification for any vehicle being used to carry goods or people for payment. By law, your insurance must cover how you use your van. If you deliver parcels, packages or goods for pay, you usually need hire and reward cover.
The full legal term is "carriage of goods for hire and reward". In practical terms, if you receive any payment for delivering someone else's goods, you fall into this category. This is different from "carriage of own goods" (a builder carrying their own tools) which is covered by standard commercial van insurance.
The main differences between hire and reward and standard commercial van cover:
- Cover for third-party goods. Hire and reward includes cover for the items you are delivering. Standard commercial cover does not.
- Wider journey pattern. Multi-drop, unpredictable routes and higher mileage are priced in.
- Higher premium. The risk profile is different, so hire and reward typically costs more than standard commercial cover.
- Different claims handling. Loss or damage to goods in transit is handled differently.
Delivering under a standard commercial policy means any claim can be refused and you could face prosecution for driving without valid insurance. See our van insurance page for more information on cover types and how comparison works via Brumble. For more detail on courier work, read our guide to courier van insurance.
What does courier van insurance cover?
Courier van insurance is a specific form of hire and reward cover designed for drivers delivering parcels, packages, or documents for payment. Van courier insurance and van insurance for couriers include:
| Cover | What it covers |
|---|---|
| Hire and reward | Lets you use your van to deliver parcels, packages, or goods for pay. Includes third party liability, which covers damage or injury you cause to others while working, with comprehensive or third party fire and theft options for the van itself. |
| Goods in transit | Optional cover for the parcels or packages you carry, usually up to a fixed value. |
| Public liability | Covers claims from third parties for injury or property damage caused during your work. Often included or available as an add-on. |
When arranging courier insurance for van work, insurers typically ask whether you do multi-drop or single-delivery work. Multi-drop is delivering many parcels in a shift (Amazon Flex, DPD, Hermes/Evri). Single-delivery is longer journeys with fewer stops (couriers taking one item from A to B). Multi-drop is priced higher due to the number of stops per shift and the higher risk of low-speed knocks.
Some couriers also deliver food on scooters or motorbikes. If that applies to you, our food delivery insurance page covers hire and reward insurance specifically for scooter, moped, and motorbike riders.
Self-Employed Courier Insurance
Most UK couriers are self-employed. Self-employed courier insurance and self-employed courier van insurance need to be arranged directly by the driver rather than through an employer.
You can compare annual courier van insurance policies via Brumble to find cover that includes hire and reward use. An annual hire and reward policy is typically the best fit for full-time couriers who deliver regularly and want one predictable premium for the whole year.
Some providers may also offer pay as you go policies, but these are not currently available to compare via Brumble.
How much is courier insurance for a self-employed driver depends on:
- Van make, model, and value.
- Estimated annual mileage.
- Types of goods you deliver.
- Whether the van is parked overnight in a secure location.
- Your claims history and years as a courier.
A specialist commercial insurer may price self-employed courier cover more competitively than a mainstream insurer. Comparing annual van insurance quotes via Brumble helps you find competitive hire and reward cover for self-employed courier work.
Insurance for Amazon Flex and Delivery Platforms
Hire and reward insurance for Amazon Flex is one of the most common searches from UK courier drivers. Delivering goods for payment usually needs hire and reward cover, but each platform sets its own rules. See the table below for what some platforms ask drivers to hold, and check your platform's current rules before you start work.
Amazon Flex Insurance
Amazon Flex says drivers using a car need hire and reward (H&R) insurance, plus at least social, domestic and pleasure (SD&P) insurance. Check Amazon Flex's current rules for any cover it provides. Source: Amazon Flex requirements page, checked October 2026.
What each platform asks drivers to hold:
| Platform | What you need to hold |
|---|---|
| Amazon Flex | For cars: hire and reward insurance, plus at least social, domestic and pleasure insurance. |
| Evri | The correct level of third party cover while you are out making deliveries. You are responsible for insuring your own delivery vehicle. |
| Yodel (now trading as InPost) | For van drivers: goods in transit and public liability insurance. |
| DPD | Check DPD's current requirements before you apply. |
Sources: Amazon Flex, Evri and InPost driver pages, checked October 2026. Platforms can change their rules, so check each platform's current requirements before you start.
Whichever platform you drive for, arrange insurance before you sign up rather than after. Onboarding usually requires proof of active cover before you can start earning.
How Much Does Courier Van Insurance Cost?
How much courier insurance costs depends on the driver, the van, and the type of work being done. Comparing quotes via Brumble is one of the most reliable ways to find out how much you would pay.
Key cost factors that may push premiums up or down:
- Van type. Small Combo-sized vans are typically cheaper to insure than large Sprinter or Transit long-wheelbase models.
- Annual mileage. Higher mileage generally means a higher premium. Estimate realistically.
- Goods carried. High-value or fragile items may push premiums up.
- Overnight parking. A secure yard or garage tends to result in lower quotes than street parking.
- Claims history. A clean record over several years may bring the premium down.
- Work profile. Multi-drop couriers typically pay more than single-delivery couriers due to the number of stops per shift.
- Driver age. Younger drivers usually pay more, as insurers may view them as higher risk.
To find cheap courier insurance for van work, compare quotes across specialist commercial insurers via Brumble. Specialist courier insurers may price small vans differently from mainstream commercial providers, so it can pay to shop around.
Public Liability for Couriers
Public liability insurance for couriers protects you against claims from third parties (customers, members of the public, or businesses) for injury or property damage caused during your work. It is separate from vehicle cover.
Courier public liability insurance is typically not a legal requirement, but many contracts and delivery platforms expect it, especially where drivers enter customer premises to deliver. Some delivery platforms may ask for proof of public liability insurance when you sign up.
Common cover tiers you may see when quoting for courier public liability:
- £1 million. Often offered as a baseline tier for smaller couriers.
- £2 million. May be requested by larger contracts or delivery platforms.
- £5 million. Typically used for corporate or higher-value contracts.
Public liability is different from goods in transit cover. Public liability covers third-party claims. Goods in transit covers the items you are carrying. Most working couriers need both.
Courier & Hire and Reward Van Insurance FAQs
Common questions about courier van insurance and hire and reward cover.