What is Delivery Insurance (Hire & Reward)?
Delivery insurance is a specialist motor policy that includes Hire & Reward (H&R) cover. Under the UK Road Traffic Act 1988, standard Social, Domestic & Pleasure (SD&P) and regular commuting/business insurance do not cover delivering food, parcels, or goods for payment.
The Law: Delivering without valid Hire & Reward cover means driving uninsured. This risks an IN10 endorsement, 6 penalty points, a £300 fixed penalty (or up to £5,000 in court), and vehicle seizure by police.
Platform Requirements: Delivery apps like Uber Eats, Deliveroo, Just Eat, and Amazon Flex legally verify your proof of H&R insurance before activating your account.
Everyday Driving Included: All INSHUR 30-day and annual courier policies include standard SD&P cover, meaning your vehicle remains covered when you are off the clock. Our Pay as you go food delivery and Amazon Flex policies don't include SD&P cover, so you'll need a valid SD&P policy in place alongside it.