Why Compare Hire And Reward Insurance?
A Use Class, Not A Product
Hire and reward is the use on your motor policy that covers you when you're paid to carry goods or passengers. Amazon Flex, for one, asks car delivery partners for it alongside social, domestic and pleasure cover.
Insured Isn't Always Covered
GOV.UK says you could be penalised even if the vehicle is insured, if you're not correctly insured to drive it. Declare your exact paid work so your certificate matches the job. A policy that doesn't cover delivery work is one reason Uber Eats rejects insurance documents.
Specialist Brokers, One Form
Prices for H&R cover vary between specialist brokers. Clean Green Cars introduces you to brokers who quote for courier and delivery work.
Paid Driving Cover At A Glance
- What It Is - The use class for carrying goods or passengers for pay. Check your policy documents cover it before your first paid job.
- Goods Or Passengers - Deliveries are usually insured on a courier policy, passengers on a taxi or private hire one. One doesn't cover the other automatically.
- Not Correctly Insured - GOV.UK (checked 30 Sep 2026): police could give a £300 fixed penalty and 6 points, or a court an unlimited fine or ban.
- Occasional Work - Hourly pay-as-you-go H&R is sold separately from the annual quotes above.
What Is Hire And Reward Insurance, And Do I Need It?
Hire and reward is the use class on your motor policy that covers you when you're paid to carry other people's goods or passengers. It's added to, or built into, a car, van, motorbike or taxi policy. It isn't a separate kind of insurance.
You need hire and reward use if any of these apply:
- Paid for Transport - you're paid to carry passengers or goods in your own vehicle
- Courier Work - you deliver parcels or food for a firm or app, the work courier insurance for delivery drivers is designed for
- Taxi or Private Hire - you drive a taxi or private hire vehicle, or work as a chauffeur
- An App Or Client Asks For It - a delivery app or contract lists hire and reward in its insurance rules
Hire and reward covers how you use the vehicle, not the parcels inside it. For the load itself, look at cover for the parcels you carry.
What Each Cover Level May Include On A Paid Run
Pick third party only on a paid delivery run and your own repair bill is yours to pay. Here's what each level of hire and reward insurance could include.
| Feature | Comprehensive | Third Party, Fire and Theft | Third Party Only |
|---|---|---|---|
| Damage to your vehicle | Yes | No | No |
| Fire and theft protection | Yes | Yes | No |
| Damage to other people's property | Yes | Yes | Yes |
| Injury to other people | Yes | Yes | Yes |
Extras such as windscreen repair, a courtesy car and personal accident cover vary by insurer and policy, so check what's included in each quote.
Please note that policy features, benefits, terms and conditions vary among insurance providers, so always check the policy wording.
Cover Tip: Check the use shown on your certificate of motor insurance covers every kind of paid job you do, goods or passengers. If you add an app or take on new work, tell your insurer before your next shift.
What May Not Be Covered
One exclusion can turn a routine claim into an out-of-pocket cost. Here's what hire and reward insurance is usually designed not to cover.
Standard Exclusions
- Non-H&R Policy Used - A social or commuting policy may leave you not correctly insured for paid deliveries, even if the vehicle is insured. Your insurer may decline a claim.
- Unlicensed Driver - Your driving licence must cover the vehicle you drive for pay. In England and Wales, taxi or private hire work also needs a taxi or private hire driver licence from your council or TfL.
- Undeclared Business Use - Not telling your insurer about paid work may mean you're not correctly insured for that work. Declare your use type up front.
Important Limitations
- The Goods You Carry - Hire and reward covers your use of the vehicle, not the load. Cover for parcels usually comes from separate goods in transit (GIT) cover, which a client or app may ask for.
- Vehicle Weight Restrictions - Some policies only cover vehicles up to a set weight. Over that limit, your insurer could decline a claim, so check the schedule.
- Driver Age Limits - Minimum and maximum driver ages vary by insurer. Outside them, an insurer may add conditions or decline to cover you.
Add-Ons Worth Considering
Miss an add-on and one incident on a paid run may leave costs your core H&R policy doesn't cover. These extras could be worth considering.
May be needed for the parcels or goods you carry, since H&R covers the vehicle's use, not the load.
May help with roadside recovery if your vehicle breaks down mid-delivery, depending on policy terms.
May help with legal costs if you face a dispute after an accident, subject to policy limits.
May pay a set amount if you're injured in an accident, depending on your policy terms.
May help limit your out-of-pocket cost after a claim if your policy carries a high excess.
How Much Is Hire And Reward Insurance?
There's no set price. Hire and reward insurance is priced on the paid work you declare and your own details. Leave an app off the form and a claim on that job may not be covered.
| Key Factor | Impact on Your Price |
|---|---|
| Use type | Taxi and private hire use is often rated differently from parcel or food delivery work. |
| Vehicle | A car, van or motorbike used for paid work may be priced differently, and so may its value and size. |
| Your driving record | Age, licence history, claims and points could all move the price. |
| Pay-as-you-go vs annual | Hourly cover may cost less overall for occasional drivers, annual cover for full-time drivers. |
For the full list of what moves a delivery driver's price, see how courier insurance is priced.
The quotes you get will depend on your own details.
Price Insight: Declare every app and firm you drive for. Food, parcel and passenger work may be rated differently, so one quote may not reflect them all.
Ways To Help Reduce Your Paid Driving Premium
Declare Your Exact Use Type
Declare parcel or food delivery use accurately so brokers quote for the work you actually do.
Build Your No-Claims Record
A clean claims history could bring your price down at renewal.
Consider A Higher Excess
A higher voluntary excess could lower your premium. Only choose one you can afford to pay if you claim.
Limit Your Mileage Accurately
Overestimating mileage could push your price up. Give your broker an accurate annual figure.
Look At Pay-As-You-Go Cover
If your delivery work is occasional, short-term hire and reward van cover bought by the hour could cost less than an annual policy.
Review Your Use At Renewal
Check your declared use still matches your work, especially if you've added an app or moved from food to parcels.
Saving Tip: Hire and reward for goods and for passengers is usually rated separately. If you only deliver goods, check your quote is for delivery use, not taxi or private hire.
How To Compare Quotes For Paid Driving Work
Filling in the form usually takes a few minutes. Get started above when you're ready.
Start Your Quote
Enter your vehicle and cover details in the form at the top of the page.
Enter Your Vehicle Details
Add your registration, vehicle type and age.
Select Your Use Type
Choose the delivery or courier work you do, and list every app or firm.
Add Your Driver Details
Enter your licence, years held and any points or convictions.
Review Your Options
Compare cover levels and prices from specialist H&R brokers.
What Our Expert Says
Plenty of drivers sign up to an app, tick its insurance checklist and never read the use class on their own certificate. That's usually where the gap opens up.
Hire and reward isn't a courier product or an app add-on. It's the use your policy has to show when you're paid to carry goods or passengers. GOV.UK says you could be penalised even if the vehicle is insured, if you're not correctly insured to drive it.
My rule of thumb: the app's checklist gets you signed up. The use class on your certificate of motor insurance is what counts on a paid job, so read it before your first shift. Tell your insurer about every app and firm you drive for. Hourly cover may suit occasional work, and annual cover may suit full-time delivery.
Insurance Expert & Co-founder of Clean Green Cars
Your Paid Driving Cover Questions Answered
What Is Hire And Reward Insurance?
A use class, not a separate kind of insurance. It's the use on your motor policy that covers you when you're paid to carry goods or passengers, added to a car, van, motorbike or taxi policy. It isn't quite the same thing as courier insurance: see hire and reward vs courier insurance.
How Much Does Hire And Reward Insurance Cost?
It depends on your details, as there's no set rate. The price is built on the paid work you declare, the vehicle and your driving record. The price table above shows what moves it.
Can I Add Hire And Reward To My Existing Policy?
Sometimes. Some insurers can add hire and reward use to a policy part way through the year, usually for an extra charge, while others can't, so ask your insurer first. If they add it, check your new certificate shows it under "Limitations as to use" (the part that says what the car can be used for). If they can't, you'll need a delivery policy or top-up that covers the work, and the courier guide lists insurers that cover courier work.
What Happens After I Submit My Details?
Clean Green Cars introduces you to specialist brokers who quote for courier and delivery work. They may contact you by phone or email with quote options, and you choose whether to go ahead.
Search & Compare Quotes From UK Hire And Reward Insurance Providers
Useful Resources
- GOV.UK - Driving Without Insurance - The fixed penalty, points, court fines, disqualification and vehicle seizure if you're not correctly insured.
- Road Traffic Act 1988 - legislation.gov.uk - The law requiring motor insurance, and that breaking it is an offence.
- GOV.UK - Taxi And Private Hire Driver Licences - Who needs a taxi or PHV driver licence and where to apply.
