Self-Employed Courier Insurance
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Working for Amazon Flex, Hermes, Yodel or going it alone? Standard car or van insurance won’t cover you for paid deliveries. Compare specialist courier insurance quotes from UK brokers — fast, free and no obligation.
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Why You Need Self-Employed Courier Insurance
Working for major UK delivery services like Evri, Amazon Flex or Yodel during the continued surge in online shopping is a genuine way to build a reliable income stream. If you are delivering multiple items on a multi-drop basis and working for yourself, it is your responsibility to make sure you have the correct insurance in place.
The cover you need is known as hire and reward insurance — this is what self-employed courier insurance actually is. It is a legal requirement the moment you carry someone else’s goods in exchange for payment. This should not be confused with haulage insurance, which is normally associated with a single drop over a long distance.
Being a courier means long hours and peak traffic. Using the wrong insurance is a serious risk that can lead to a traffic offence and potentially a TT99 conviction, making future insurance considerably more expensive.
MultiQuoteTime connects you with a panel of specialist courier insurance brokers, giving you access to multiple quotes fast and free. Whether you drive full-time or part-time, you can quickly compare options and find the cover best suited to your needs.
Whether you drive a car or a van, your current policy almost certainly does not cover courier work. The moment you load a parcel and start a delivery run, your existing policy is void, meaning any accident, theft or damage claim will be rejected outright. The correct cover is hire and reward insurance. Self-employed courier insurance and hire and reward are one and the same.
Standard Car Insurance is Not Sufficient
Driving a car without the proper insurance is the same as driving without insurance and can result in an unwanted IN10 conviction, which will make it both difficult and more expensive to get future insurance. The insurance that you need is often referred to as hire and reward insurance. First step is to ask your current broker if they provide self-employed courier insurance as a top-up to your standard policy or failing that as a stand-alone policy.
Standard Van Insurance is Not Sufficient
Getting the right cover is just as important if you are using a van to deliver parcels. Van policies are intended for commercial purposes but not necessarily for couriers. They are a general policy covering people who use their vans for work such as plumbers, gardeners and builders, and do not cover risks specific to those using their van to deliver parcels. If you use a van you will need to take out hire and reward van insurance if you intend providing a delivery service.
Which Delivery Companies Accept Self-Employed Couriers in the UK?
In the UK, a wide range of delivery services offer opportunities for self-employed couriers, each with its own focus and operational model. Well-known platforms like Amazon Flex, Deliveroo, Uber Eats and Evri are popular choices, offering flexible working arrangements that allow couriers to choose their own schedules and delivery areas.
📦 Parcel Delivery Platforms
Amazon Flex
Deliver Amazon packages using your own vehicle. Flexible blocks available via the Amazon Flex app.
Evri (formerly Hermes)
One of the UK’s largest parcel delivery networks, offering self-employed courier rounds across the country.
DPD
Renowned for its extensive parcel delivery services across the UK, handling a diverse range of delivery needs.
Yodel
A major UK parcel carrier offering self-employed courier opportunities for both local and national deliveries.
ParcelForce Worldwide
Offers both national and international parcel delivery, providing a wider scope of courier routes.
🍔 Food & Specialist Delivery Platforms
Deliveroo
Connects couriers with local restaurants to deliver meals. One of the UK’s most popular food delivery platforms.
Uber Eats
A global food delivery platform connecting drivers with restaurants and customers across UK cities.
Just Eat
One of the UK’s largest food delivery services, working with thousands of local and national restaurant partners.
CitySprint
Focuses on same-day delivery services, ideal for urgent and time-sensitive deliveries across UK cities.
Gophr
Known for flexible and local courier services, catering to more specific and community-based delivery needs.
What does Hermes provide a courier?
For the part time courier, Hermes provides a wage that can be £10 to £15 an hour. They hire both full-time couriers who are their employees and self-employed couriers. The courier can provide their own delivery driver insurance policy, or Hermes will issue a policy of their own to the courier. The policy issued by Hermes is the minimum requirement of Third Party Only commercial hire and reward insurance. This does not come with the optional add-on of Goods In Transit. Because of that, the parcels being transported are not protected against being stolen, damaged or lost while being transported.
Employed and self-employed delivery drivers both need the same insurance
Regardless of being self-employed or employed, you will need courier insurance. If employed, your employer should provide the required insurance, but do check. If you are self-employed, contact your current insurance provider, as you may have an option of top up insurance to provide the required cover for delivery of goods on a multi-drop basis.
What type of cover is available
You can choose from three different levels of courier cover depending on your needs;
Third-party (TPO)
Third-party fire and theft (TPFT)
Fully comprehensive
Which factors influence the cost?
Whilst most insurance use the same factors to determine the final price. Each insurance provider can apply different weights to these. We have listed the key factors below. Because each insurance company applies a different weight, it is always advised to get multiple quotes from a range of insurers to find the cheapest insurance for your individual needs and circumstances.
How Much Does Self-Employed Courier Insurance Cost?
The cost of self-employed courier insurance varies considerably depending on your vehicle, age, location, driving history and the level of cover you choose. As a rough guide, a single local driver with no employees might pay around £46 per month, while a courier working nationally could pay around £150 per month. The vehicle you drive is one of the biggest differentiators — van insurance typically costs significantly more than car-based cover.
The figures below are indicative market ranges only, based on publicly available industry data for mid-risk profiles. Your actual premium will depend on your own circumstances. The only way to find out what you will pay is to compare quotes.
Car Courier Insurance
Indicative Annual Range
£800 – £1,400
Mid-risk profile, age 30–50, clean licence
- ✓ Generally lowest cost vehicle type
- ✓ Common for Amazon Flex and food delivery
- ⚠ Younger drivers typically pay considerably more
- ⚠ City locations usually attract higher premiums
Van Courier Insurance
Indicative Annual Range
£1,450 – £2,150
Comprehensive, Transit-class, age 30–50
- ✓ Suitable for Evri, DPD and Yodel routes
- ✓ Higher payload capacity
- ⚠ Generally the most expensive vehicle to insure
- ⚠ Younger van drivers face the highest loadings
Scooter & Motorbike Insurance
Indicative Annual Range
£900 – £2,200
125cc, age 21+, clean licence
- ✓ Popular for Deliveroo and Uber Eats
- ✓ Lower overall running costs
- ⚠ Urban risk loading typically applies
- ⚠ Limited carrying capacity
Important: The price ranges above are indicative figures based on publicly available market data for illustrative purposes only. They do not represent a quote or guarantee of pricing. Your actual premium will depend on your age, vehicle type, location, annual mileage, claims history, convictions and chosen level of cover. Always compare quotes from multiple brokers to find the right price for your individual circumstances.
Part-time or flexible working? Pay-as-you-go courier insurance is available as an alternative to an annual policy, with some providers offering cover charged per active hour. This can suit drivers who courier occasionally alongside other work. Compare your options to find the most cost-effective approach for your situation.
Which Types of Vehicles Are Covered?
Self-employed courier insurance in the UK covers various vehicles used for delivery services, including personal vehicles listed below.
Scooters, Mopeds & Motorbikes
Vans
Cars
Trucks
Bicycles
How Can You Get Cheaper Insurance Rates?
- ● Use comparison sites to compare: visit MultiQuoteTime to compare specialist courier brokers and also check relevant forums for recommendations from other couriers.
- ● Pay annually rather than monthly: spreading payments typically adds interest and increases the total cost.
- ● Drive a smaller vehicle where possible: smaller, lower-value vehicles are generally cheaper to repair and replace, which reduces your premium.
- ● Keep your annual mileage down where you can: lower mileage means less time on the road and a reduced likelihood of making a claim.
- ● Consider a telematics or black box policy: demonstrating safe driving habits can lead to lower premiums over time.
- ● Secure your vehicle when not in use: parking in a locked garage or on a private driveway overnight can reduce theft risk and lower your premium.
- ● Opt for a higher voluntary excess: agreeing to pay more in the event of a claim can bring your monthly or annual premium down.
How to compare Self-Employed courier insurance with MultiQuoteTime.co.uk
Comparing courier insurance for the self-employed with MultiQuoteTime is quick and hassle-free:
Multiquotetime works in partnership with Quote Zone who provide a simple form which once completed is submitted to a specialist panel of brokers. These specialist brokers will provide you with a range of self-employed courier insurance quotes for your specific business requirements.
FAQ’s
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