Courier Insurance UK: Cover Types Explained for New Drivers
If you use a car, van, motorcycle or moped to deliver goods for payment in the UK, standard car insurance does not cover that use — you need hire and reward (H&R) motor insurance. Pedal cyclists and standard e-bike riders do not need motor insurance. This guide explains what each cover type means, who needs it, and what to look for. General information only — not insurance advice.
The Four Cover Types Explained
Motor insurance must cover paid delivery use. Goods in Transit and Public Liability requirements depend on current contracts. Employers’ Liability is generally required when you become an employer, subject to statutory exemptions. Check official guidance, agreements and policy wording.
Insurance Pricing
CourierForum does not publish generic premium ranges. Obtain quotes based on your vehicle, history, postcode, work and mileage, then compare policy wording as well as price.
Platform Requirements — Always Check Your Current Contract
Platform agreements specify minimum cover levels and can change at renewal. The following is general information only — always verify in your current courier agreement: Amazon Flex requires H&R motor insurance; Amazon offers supplementary cover during active blocks which does not replace your compulsory policy. Evri requires H&R motor insurance; Evri has historically provided a level of GIT cover — verify in your current agreement as terms change. DPD ODF franchisees must hold H&R, GIT, and PL to minimum levels set in the franchise agreement. Courier Forum UK Limited is not an insurer or broker — see the platform-specific guides for more detail.
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