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Shopping for insurance can quickly get complicated, especially with so many options and policy types. At INSHUR, we know that securing the right insurance for you is important.
That’s why we’ve created this quick guide to cover the essentials of courier insurance, so you’re informed and protected from the get-go.
INSHUR offers fast, flexible courier insurance, covering everything from parcels to takeaways. Work across multiple platforms with peace of mind. Choose from 30-day or annual policies with flexible payment options.
What is courier insurance?
Courier insurance, commonly known as delivery driver insurance, is a specialised form of motor insurance covering the carriage of goods in return for payment.
This policy is necessary regardless of what you’re delivering, which can include:
- Parcels and general goods
- Perishable items such as fast food or takeaways
- Groceries and other retail products
Unlike a standard car or vehicle policy, courier insurance provides crucial protection while you’re making deliveries. A standard policy may not cover you for commercial work, leaving you uninsured while you’re on the job. Courier insurance bridges that gap, ensuring you remain protected while working.
Is courier insurance the same as Hire and Reward insurance?
Hire and Reward (H&R) insurance is an umbrella term that covers many different types of coverage, including:
- Private hire, Uber, and other rideshare drivers
- Parcel delivery
- Fast food delivery
- General courier delivery services
INSHUR courier insurance provides the legally required H&R coverage needed for courier and delivery driving.
Who needs courier insurance?
Simply put, courier insurance is a legal requirement for anyone looking to use their personal or commercial vehicle for delivery or courier work.
This insurance is a must-have, as online delivery platforms, including large platforms like Amazon Flex, DPD, Evri, etc, will require proof of this insurance before you’re able to complete your onboarding and begin accepting deliveries.
What does courier insurance cover?
INSHUR courier insurance is built to provide all-around coverage for the busy working driver.
Our courier policies include:
- Multiple platform driving: Coverage extends to drivers working across multiple delivery platforms, including Amazon Flex
- Fast food delivery coverage (choose “fast food & parcels” when you quote)
- Social, Domestic & Pleasure (SD&P): Standard personal use of the vehicle is included at no extra cost, covering you when you are not actively working.
- Optional 4+ years No Claims Discount Protection: Drivers with 4 or more years of no-claims history built while working can add NCD protection for an extra fee.
We insure many types of vehicles, from two wheels to four, including motorbikes, scooters, mopeds, cars and vans.
Why choose INSHUR courier insurance?
Our courier insurance is built differently. We know that your time is precious, so we’ve made the online process of getting your insurance simple.
Other INSHUR courier insurance benefits include:
- Compatibility with major delivery and courier platforms
- Flexible 30-day policies for the casual driver, or cost-saving annual policies for the full-timer.
- Pay in full, or through monthly payments with our premium finance option
- Support when you need it via email, phone, or virtual assistant
- 24/7 claims support for drivers putting in the long shifts
Read to get covered?
All INSHUR courier insurance policies include SD&P as standard. All policies come with fast food delivery at no extra cost, opt for No Claims Discount protection for a small fee. Built for part-time and full-time drivers.
Get a free no-obligation quote and start your INSHUR journey today.
Courier Insurance FAQS
How much is delivery insurance?
The cost of delivery driver insurance is influenced by various factors based on individual circumstances.
Every driver is different; therefore, insurance costs vary from person to person.
Is courier insurance and hire and reward insurance the same thing?
Hire and reward (H&R) insurance is a legal requirement for anyone using a vehicle to carry goods or passengers in return for payment.
This can include:
- Carrying passengers for Uber or other private hire providers
- Parcel delivery
- Fast food delivery
- Courier delivery
- INSHUR courier insurance provides legally required coverage for hire and reward for courier delivery driving.
