Amazon Flex Insurance UK: Hire & Reward Cover, Costs & What Amazon Provides (2026)
To deliver for Amazon Flex in the UK you normally need hire & reward (courier) cover — standard car insurance and ordinary business use classes do not cover paid parcel delivery. Amazon has offered supplementary cover while you are on an active block, but it does not replace the motor insurance you must hold yourself.
Why Normal Car Insurance Is Not Enough
UK motor policies cover specific classes of use. Social, domestic and pleasure (even with commuting) and class 1–3 business use typically exclude carrying goods for payment. Delivering parcels for Amazon Flex is carriage of goods for hire or reward, so your policy must include hire & reward cover for the use to be insured.
What Amazon’s Policy Does and Doesn’t Cover
Amazon has offered UK Flex drivers a supplementary cover arrangement that applies while actively on a delivery block. It can top up certain liability, but it does not replace your compulsory motor insurance, does not cover driving to and from the depot off-block, and does not make an invalid personal policy valid. Check current wording in the Flex app.
What Hire & Reward Cover Costs
Community-reported planning ranges: annual hire & reward policies around £500–£1,500+/yr for cars (more for vans and young drivers), monthly flexible courier cover around £60–£150/month, and pay-per-shift or hourly top-up products at a few pounds per shift for occasional drivers. Compare quotes for your own circumstances.
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