Courier Insurance Guide UK
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 covers specified cargo risks, not motor liability. Public Liability can cover non-motor third-party incidents, subject to terms. Check written contracts for requirements, and policy definitions, exclusions, limits and excess. Employers’ Liability is generally compulsory for employers, subject to statutory exemptions; HSE guidance and the Employers’ Liability (Compulsory Insurance) Act 1969 explain the Great Britain position. Northern Ireland has separate legislation. Sources: https://www.hse.gov.uk/pubns/hse40.htm and https://www.legislation.gov.uk/ukpga/1969/57
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
Confirm motor cover suitable for paid delivery and check current written platform requirements for goods in transit and public liability. Do not assume a historical Amazon Flex or Evri scheme still applies. DPD states Owner Drivers are responsible for insurance contributions: verify any franchise or lease arrangements and minimum cover in writing. Source: https://drivers.dpd.co.uk/ . Courier Forum UK Limited is not an insurer or broker — see the platform-specific guides for context.
Check the Firm and the Policy Separately
Use the FCA Firm Checker to check the firm’s identity and relevant permissions using official contact details. This does not establish that an individual policy covers your work. Source: https://www.fca.org.uk/consumers/fca-firm-checker . These products are not interchangeable; confirm activities, insured goods, territorial scope, exclusions, limits and excess with the provider.
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