Courier van insurance explained: hire & reward cover in 2026

If you're delivering parcels for money — whether for Amazon Flex, DPD, Evri or your own clients — a standard van insurance policy will not cover you. You need hire & reward (H&R) courier insurance.

What hire & reward means

Hire & reward simply means you're being paid to carry someone else's goods. Insurers price this as a higher risk because of the volume of stops, time pressure and parcel value involved.

What a good policy includes

• Unlimited drops per day with no mileage cap
• Any UK address pickup and delivery
• Optional goods-in-transit cover from £1,000 to £25,000
• Public liability of at least £1m (£5m for some contracts)
• Breakdown and courtesy van as add-ons

How to lower your premium

• Pay annually rather than monthly to avoid interest
• Fit a dashcam — most insurers offer a discount
• Park off-road overnight where possible
• Build named no-claims as a courier (separate from car NCB)

Multi-drop drivers who switch at renewal save an average of £312 a year on H&R cover.