Hire and reward cover for couriers, same-day, multi-drop, parcel network and owner-driver work, on cars, vans and motorbikes.
Three steps. We approach the courier specialist market on your behalf, part-time, full-time, owner-driver and parcel network operators all considered.
Vehicle, type of delivery, hours, claims and conviction history. Two minutes online or a call with a broker, your choice.
Your named broker takes your details to specialist courier insurers. Convictions, young drivers, part-time work, all considered.
Documents emailed, payment arranged by your broker. Renewal and any mid-term changes handled by the same person.
Standard motor insurance and social-domestic-pleasure-and-commuting cover do not include paid delivery. Courier insurance fills that gap and keeps you legal.
Multi-drop, parcel delivery insurance, white-goods, same-day, B2B and B2C delivery on Transit, Sprinter, Vivaro and similar, written as hire and reward courier vehicle insurance.
e.g. A multi-drop courier running 60 parcels a day for a national network.
Drivers running paid delivery on a private car still need hire and reward. Personal motor policies exclude paid delivery work entirely.
e.g. An owner-driver running evening multi-drop parcel work for a national network.
Owner-drivers under contract with a parcel network, DPD, Evri, Amazon Flex, Yodel, need policy terms that match the contract.
e.g. A self-employed Amazon Flex driver on a fixed weekly route.
The work types we most commonly place courier cover for. Each gets a tailored conversation rather than a one-size policy.
Multi-drop parcel
High-volume parcel networks, DPD, Evri, Yodel, Amazon Flex.
Same-day couriers
B2B same-day delivery in cars, vans and motorbikes.
Owner-driver subcontractors
Self-employed drivers on parcel network contracts.
White-goods and bulky
Two-person teams delivering large items into customer homes.
Medical and pharmacy
Specialist courier work with cold-chain or time-critical loads.
Vehicle transporters
Single-car carriers and trade vehicle delivery.
Part-time / weekend
Evening, weekend and side-business courier work.
Whether you are full-time on a parcel network or running same-day work in evenings, the policy structure adapts. We approach the courier specialist market, convictions, young drivers and short-term cover all considered.
Courier premium reflects exposure, but a handful of choices on your side meaningfully change what you pay.
Fit telematics
Connected vehicles price below comparable disconnected ones. Many courier insurers offer credit for verified telematics or dashcam usage.
Pay annually, not monthly
Monthly direct debits attract admin charges that build up across the year. An annual payment removes that overhead and usually leaves you with a tighter total cost of cover.
Take a voluntary excess
Carrying the first slice of any claim yourself reduces the insurer’s exposure and the premium. Effective on stable, low-claim records.
Combine motor + GIT
Bundling courier motor with goods in transit on the same renewal usually prices below buying each cover separately.
A standard courier motor policy covers the driver and vehicle. The list below shows what most insurers will add on, and what falls outside the cover by default.
Goods in transit
Cargo cover for the parcels you carry. Often required by network contracts.
Public liability
Cover for harm or damage at the customer’s doorstep, common across courier work.
Breakdown and recovery
Keeping you on the road when the vehicle stops moving.
Tools and equipment
For the gear you carry, sat nav, scanners, trolleys, ramps.
Replacement vehicle cover
A like-for-like vehicle while yours is in repair after a claim.
Goods in transit
Cargo loss is on a separate GIT policy, not the courier motor.
Personal use of the vehicle
Some policies restrict private use; declare social use upfront.
Drivers not declared
Anyone delivering must be named on the policy. Undisclosed drivers void cover.
Hazardous goods (without endorsement)
Chemicals, gas, certain medical loads need specific approval.
Deliberate or criminal acts
Loss caused intentionally or through criminal conduct is excluded across the market.
Tell us about the work, vehicle, type of delivery, hours. We approach the courier specialist market and come back with terms.
The questions we hear most often, with straight answers. Anything else, call the office.
Yes. The minute you take payment for delivering someone else’s goods you need hire and reward cover, even if it is evenings and weekends only. Specialist insurers write part-time and short-term courier policies for exactly this case. Standard motor insurance excludes paid delivery work entirely.
Cannot see your question? Speak to a broker on 0800 123 4567.
Why brokers, why us
FCA regulated
Authorised and regulated by the Financial Conduct Authority.
45 years broking
Long-standing relationships across the UK insurer market.
Named broker
A direct line to the same person at quote, renewal and claim.
Independent
No tie-ins. We use the market that fits the work, not a panel of one.
● Cover that often sits alongside this
Ready when you are
Two minutes to tell us about the work. Terms back from a specialist courier panel. Your named broker on the file from day one.
