How to get car delivery insurance that works for you

Written by Benedict Harrison

Published on

We take a look at the cover you need to work as a car delivery driver and how to get a policy that suits you.

As a car delivery driver, having the right insurance policy in place helps you to get the protection you need to feel safe at work and is a great way of maximising your earnings. At Zego, we offer a range of delivery insurance options, so whether you work for 5 or 50 hours per week, you can get a policy that suits you.

In this post, we’ll take a look at some of the most important things to consider when you’re choosing your car delivery insurance policy, so you can get cover that works for you.

What type of cover do you need?

To work as a car delivery driver in the UK, you’ll need to have both Social, Domestic & Pleasure (SD&P) insurance and Hire & Reward (H&R) cover in place. H&R is the specific type of cover that protects you for carrying food or parcels in exchange for payment. SD&P is your standard insurance that covers your everyday use of your car for activities like going to the shops or driving to visit a friend.

If you’re looking for one convenient policy that provides you with all the cover you need to work as a delivery driver, you may wish to consider Zego’s combined car delivery insurance. Zego’s combined delivery insurance policies include both SD&P and H&R. Simply choose between a 30-day or Annual policy and select your level of cover to get cover that works for you.

Download the Zego Delivery app and get a quote – it only takes a minute.

What other options are available?

If you already have an underlying SD&P policy, or if you’re a part-time delivery driver looking for flexible cover, Zego’s pay-as-you-go H&R insurance could be for you. Zego is the only provider of pay-as-you-go delivery insurance in the UK.

When you choose our most flexible option, you get a top-up insurance option that covers you just for the time that you’re working. You pay an hourly rate, which can vary between £0.80 - £3.00 per hour, and your insurance stops when you’ve finished delivering with any of our partnered work providers.

If you’re looking for an option that’s more suitable for full-time delivery drivers, we also offer 30-day H&R cover. You pay one upfront cost and you get a delivery insurance policy that lasts for 30 days. You can also set up a monthly subscription to get continuous cover that lasts for as long as you need it.

For more information about our products, you can visit our car delivery insurance page. If you have any questions, please let us know and we’ll be happy to help.