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Hire and reward insurance, otherwise known as courier insurance, is a type of business van insurance.
You’ll need it if you use your van to make deliveries.
It’s different to standard van insurance, which only covers you for everyday, social driving or commuting.
With hire and reward insurance, you’re covered if your van is damaged or stolen while you’re using it to deliver things too.
We compare quotes for three levels of hire and reward insurance:
Average hire and reward insurance prices(2):
Third party only
£2,653
Third party, fire and theft
£2,325
Fully comprehensive
£2,012
(2)Confused.com data November 2023 to April 2024.
A fully comprehensive policy with cover for hire and reward costs £2,012(2) on average.
This is higher than a comprehensive policy for social use only, which costs an average of £692(2).
Courier insurance is more expensive than other types of van because:
Couriers spend more time on the road than most drivers, putting them at a higher risk of being involved in an accident.
Couriers may drive later into the evening than social drivers as some companies offer late delivery slots. Insurers see nighttime driving as risky.
Couriers carry valuables in their vans, which can make them a target for thieves.
(2)Confused.com data November 2023 to April 2024
**Single annual policy. New and former Paramount+ subscribers only who sign up at ParamountPlus.com. Subscription required. Auto-renews unless cancelled. 18+. Just Eat website account required, geographical exclusions apply. The year-round reward is provided by Greggs, and consists of one regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.
What you pay for your insurance is based on your risk profile. This is how much of a risk insurers judge covering you to be. Anything you can do to lower your risk profile could help bring your insurance costs down.
For couriers, this includes:
Choosing comprehensive cover
Changing your excess amount
Improving your van's security
Installing internal racking
(2)Confused.com data November 2023 to April 2024
Getting a courier insurance quote is easy and only takes a few minutes:
While it's not a legal requirement, certain companies will insist you have this in place as part of your contract before you can drive for them. It gives you cover for any legal expenses you're held liabile for if you injure someone or damage their property while you’re making deliveries, which could cost a lot.
Some hire and reward policies include it, but others may ask you to pay extra to add it on.
This can help you get back up and running if your van breaks down on the job. Some policies will cover the cost of towing your van to a local garage if it can’t be fixed. Others will cover the cost of towing your van to any location in the UK, whether that's your home or a garage you trust.
This can be especially handy if you’re making long-distance deliveries and don’t want to be stranded far from home.
Yes, if you have hire and reward insurance, you’ll still be covered to drive your van outside of work. If you’re involved in a collision, or your van is stolen while you’re not working, you’ll still be able to claim on your policy.
It doesn’t work the other way around though. If you only have private van insurance, but are using your van for hire and reward purposes, any claims you need to make for incidents that happen while you’re working won’t be covered. This is why getting the right type of insurance is crucial.
Yes, courier insurance is available as a temporary policy.
The temporary courier policies we compare quotes for can last for anything from 1 hour all the way up to 28 days, and come with a range of benefits like personal belongings cover for any of your own items you carry with you in your van, and legal expenses cover.
See our temporary van insurance page for more information.
Gives you cheap, short-term cover from 1 to 28 days for social and business use.
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