About Evri Delivery Driver Insurance

If you want to drive for Evri (which used to be Hermes) to deliver packages, you might be wondering: What kind of insurance do I need? Figuring out insurance can feel confusing, but it’s really important to make sure you, your car, and your deliveries are all protected.

Whether you’re just curious or already signed up with Evri, we’ll explain what you need to know about insurance for driving as an Evri courier. We hope this guide will help answer your questions, clear up any confusion, and make you feel more confident on the road.

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Why Insurance Matters as an Evri Driver

You might wonder: Why can’t I just use my regular car insurance? This is a common question, and it’s understandable. The truth is, when you start using your car for work – like delivering parcels for Evri – your normal car insurance might not cover you.

Your regular insurance is usually only for personal use, like going to the shops, commuting, or taking a trip. But when you start delivering packages for money, your car is being used for work, which is called commercial use. Insurance companies often think that delivering parcels is riskier than regular driving. That’s why you need special courier insurance.

If you don’t have the right insurance, you could be in trouble if something happens. Imagine getting into an accident while delivering parcels, only to find out your insurance won’t pay for the damages. This could be a very expensive mistake, both in money and legal problems. Even worse, driving without the right insurance could lead to big fines, points on your license, or even losing your license. So, having the right insurance isn’t just about following rules – it’s about protecting yourself, your money, and other people on the road.

Types of Insurance You Might Need

Insurance for delivering parcels has a few parts, and it’s important to understand the differences:

1. Hire and Reward Insurance
This type of insurance covers you when you’re using your car to deliver other people’s goods for money. Basically, if you’re being paid to deliver something, this is what you need. Hire and Reward insurance is the most important part of courier insurance. It covers you because delivering parcels means you stop a lot, go to different places, and have valuable goods in your car – this is riskier than just regular driving.

2. Public Liability Insurance
This type of insurance isn’t always required, but it can be very helpful. Public Liability Insurance covers you if a member of the public gets hurt or if their property is damaged because of your work. For example, if you accidentally drop a parcel on someone’s foot or scratch their car while unloading, public liability has you covered. It might seem unlikely, but when you’re making lots of stops every day, accidents can happen, and having this insurance can save you a lot of trouble and money.

3. Goods in Transit Insurance
This insurance covers the parcels you’re delivering. If the goods you’re carrying get damaged or stolen while in your car, Goods in Transit insurance can help. It’s not always required, but it gives you peace of mind knowing the items you’re responsible for are covered. This is especially important if you’re delivering expensive goods. Imagine if something valuable was stolen from your car – without this insurance, you could be stuck paying for it yourself. Goods in Transit insurance makes sure you’re not personally responsible for the value of the packages.

Do You Need Courier Insurance?

Evri drivers are considered self-employed couriers, which means you are in charge of getting your own insurance. Your regular car insurance is unlikely to cover you if you’re delivering parcels for money. Many drivers make the mistake of thinking their standard insurance is enough – but sadly, that’s not true. Delivering goods for payment changes the way your car is used, and normal car insurance doesn’t cover business activities like delivering packages.

Courier insurance, also called Hire and Reward insurance, specifically covers deliveries for payment. Without it, your insurance company could reject any claims you make while working, and you could get into legal trouble for driving without the right insurance. The last thing you want is to have an accident or get your car stolen while working, only to find out you’re not covered because you didn’t have the right insurance.

Some insurance companies may offer an extension or add-on to your regular policy for courier work, but you need to check with them to be sure. If you think you might need an add-on, talk to your insurer and explain what kind of work you’re doing. Be as specific as possible, so there’s no confusion about what’s covered and what isn’t. Being honest with your insurer is the key to making sure you’re properly covered.

How to Find Delivery Insurance that Works for You

Finding the right insurance can be a bit of a challenge, but here are some tips to help you out:

1. Shop Around
Don’t just settle for the first quote you get. Compare quotes to get an idea of costs and options.

2. Consider a Multi-Purpose Policy
If you use your car for both personal use and work, look for a policy that covers both. It might cost a bit more, but it’s easier than having two separate insurance policies. Multi-purpose policies are great if you don’t want to worry about switching between policies or figuring out if you’re covered for non-work driving. Just make sure the cover is good for both social and work use – some cheaper policies might cut corners.

3. Check with Evri
Be sure you know what Evri’s insurance requirements are. Check Evri’s website for more information. While Evri won’t arrange insurance for you, they know what their drivers need.

Tips for Keeping Insurance Costs Low

Courier insurance can be pricey, especially when you’re new. But there are some ways to keep costs down:

• Increase Your Excess: If you agree to pay a higher excess, you can often lower your monthly premium. Just make sure you can afford to pay the excess if you need to make a claim.
• Add Security Features: Adding a dashcam, extra locks, or an alarm to your car could help you get a discount. Insurance companies like when cars have more security because it means less risk. A dashcam can also be useful to prove what happened if you’re in an accident.
• No Claims Bonus: If you have a good driving record, your no claims bonus can sometimes be used for courier insurance. Ask about this when getting quotes. A no claims discount can be one of the best ways to lower costs over time.
• Limit Your Mileage: The fewer miles you drive, the lower the risk in the eyes of the insurer. If you can estimate your mileage accurately and keep it low, you could get a cheaper premium. But be realistic – if you underestimate and go over your limit, your policy might not cover you.
• Pay Annually: If you can afford it, paying for your insurance all at once rather than monthly is usually cheaper. Monthly payments often include interest, which makes the policy more expensive overall. If you have the money to pay up front, it can save you a lot over the year.

Common Challenges and How to Overcome Them

1. High Premiums for New Couriers
New couriers often have to pay higher premiums because they don’t have much experience. Insurance companies see new drivers as riskier until they have proven themselves. To deal with this, start with shorter shifts or work part-time to build up your experience. A clean driving record over time will help you lower your premiums.

2. Hard to Find an Insurer
Not all insurers cover courier drivers. It can be frustrating to get rejected or see very high quotes. Specialist brokers can help, as they work with insurers who understand courier work. Don’t be discouraged if you get a few rejections at first – keep trying, and you’ll find the right insurer.

3. Balancing Personal and Work Use
Using your car for both personal and work use can be tricky. A multi-purpose policy can help, but it’s important that it covers everything you need. Some people feel better having separate policies for each purpose, even if it costs more. Think about what’s best for you and how you use your car.

Ready to start driving with Evri?

Driving for Evri can be a great way to earn money, whether full-time or as a side job. Getting the right insurance is important not only to stay legal but also to have peace of mind. Make sure you’re covered for the work you’re doing – the last thing you want is a surprise when something goes wrong.

Take your time, compare different options, and don’t be afraid to ask lots of questions. Having the right insurance is an investment in your safety, your finances, and your future as a courier.

If you’re ready to get started with Evri, just remember that sorting out the right insurance first can save you a lot of hassle later. Good luck, and stay safe on the road

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