Delivery Driver Insurance Guide: What Cover Do You Need?

Short answer: if you are paid to deliver parcels, food or other people’s goods, do not assume ordinary social, domestic and pleasure cover—or a standard business-use extension—covers that work. You may need hire-and-reward or courier motor cover, sometimes supplied as a top-up policy alongside suitable underlying insurance.

The correct arrangement depends on the platform, vehicle, goods, working pattern and policy wording. This guide is general information, not personal advice.

Quick cover-check matrix

Use of the vehicle	What to check	Why it matters
Driving socially or commuting to one regular workplace	Social, domestic and pleasure; commuting if required	This does not automatically include making paid deliveries.
Visiting customers for your own business	The correct class of business use	Business use can be narrower than courier or hire-and-reward use.
Carrying parcels or food for payment	Hire-and-reward, courier or delivery motor cover	The insurer must know the vehicle is being used for paid delivery work.
Using a platform top-up policy	Compatible underlying motor insurance, top-up hours and exclusions	A gap can arise if the two policies do not join up.
Protecting parcels or equipment	Goods in transit and, where relevant, public liability	These can protect goods or liabilities but do not replace motor insurance.

Before accepting your first delivery

Tell the motor insurer exactly what you deliver, who pays you and which platforms you use.
Confirm whether cover applies while waiting for work, travelling to collection, carrying goods and returning after a job.
If using top-up cover, confirm the underlying policy permits it and note when each policy starts and stops.
Check vehicle, age, licence, MOT, security and platform eligibility requirements.
Keep current certificates and contact details available, and report changes in work or vehicle use.

Platform examples

Evri: Evri’s courier FAQ says drivers need a full valid driving licence, a suitable insured and MOT’d vehicle, and the correct level of third-party cover while delivering. It also describes a top-up option. Read the current Evri courier FAQ and our Evri delivery driver insurance guide.

Amazon Flex: Amazon’s UK guidance lists commercial vehicle or hire-and-reward insurance among Flex requirements. Check the current onboarding terms and read our Amazon Flex delivery insurance guide.

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Sources and review

Sources checked 23 July 2026. Reviewed by the Here4 Insurance editorial team. Read our editorial policy.