Courier van insurance for delivery drivers and couriers

Yes. If you’re delivering for any platform — including Amazon Flex, Evri, DPD, Yodel, or any other — you need courier van insurance with carriage of goods for hire and reward cover. Some platforms provide limited third-party liability cover while you’re actively on a delivery, but this does not protect your van or the goods in transit. A dedicated courier van insurance policy ensures you’re fully covered both on and off delivery.

Business van insurance with own goods cover is designed for tradespeople and business owners who carry their own tools, materials, or stock. Courier van insurance includes carriage of goods for hire and reward cover, which is specifically required for transporting third-party goods in exchange for payment. Using a business van policy for courier work would invalidate your cover. See our business van insurance page if you’re a tradesperson rather than a courier.

Courier van insurance covers your van — it does not automatically cover the goods inside it. If goods are lost, stolen, or damaged during delivery, you would not be covered without a separate goods in transit policy. We can arrange both courier van insurance and goods in transit cover — speak to our team on 0345 222 6318 for a combined quote.

Yes. We can arrange courier van insurance for both full-time and part-time delivery drivers. If you deliver for a platform alongside other work, it’s essential that your van insurance includes hire and reward cover for every trip you’re making deliveries — even occasional or weekend work. A standard policy without this cover would be invalid for those journeys.

Courier van insurance covers your van for accidental damage, theft, and fire — but not the goods being carried. To cover the goods themselves, you need a separate goods in transit policy. If goods are damaged or lost during delivery and you don’t have goods in transit cover, you would be personally liable to the platform or client for the value of those goods.

Hire and reward cover is a legal requirement for anyone who is paid to transport goods or passengers. If you’re delivering parcels, food, or any other goods in exchange for payment, you’re operating on a hire and reward basis — and a standard van insurance policy will not cover you. Without hire and reward cover, any claim made while you’re on a delivery could be rejected in full, leaving you personally liable for any damage, injury, or loss. All our courier van insurance policies include hire and reward cover as standard.

Yes — courier van insurance covers both your commercial delivery work and personal use of your van. You don’t need a separate policy for each. When getting your quote, your personal use mileage and business delivery mileage will both be taken into account to make sure you’re accurately covered for everything you do with your van.

Yes — and this is one of the most important points for platform delivery drivers to understand. Platforms like Amazon Flex, Evri, and DPD may provide limited third-party liability cover while you’re actively on a delivery, but this cover is restricted — it doesn’t protect your van, it doesn’t cover you between deliveries, and it often has significant exclusions. A dedicated courier van insurance policy ensures your van is fully protected at all times, whether you’re on a delivery, travelling to a pick-up point, or using the van for personal trips.

Possibly — it depends on the nature and number of any convictions. Some of our panel of insurers will consider courier drivers with points or convictions on their licence. Get in touch with our team on 0345 222 6318 and we’ll check what options are available to you.