Hire and reward insurance

Flexible insurance for couriers and car delivery drivers.

What is hire and reward insurance

Zego private hire taxi driver sitting in his car smiling

Hire and reward insurance is a type of commercial motor policy that allows you to carry passengers or parcels in return for payment.

It covers you for any damages or vehicle repairs if you’re involved in an accident, as well as legal expenses and compensation if somebody gets injured.

Sometimes referred to as Class 3 business insurance, it's a legal requirement for anyone who works as a private hire driver needing taxi insurance, van courier or drivers delivering food.

How does hire and reward insurance work?

It’s quick and easy to get a hire and reward policy with Zego.

zego number one icon

Choose your cover

Get a quote and select a policy that suits your budget and the way you work.

zego number two icon

Link your account

If you need to link your Zego account with your work provider, you can do it easily in the app.

zego number three icon

You're all set!

Insurance sorted, you’re ready to start earning money as a food delivery or courier driver.

Which hire and reward policies are available?

To use your car for food delivery or courier work, you must have personal (SD&P) insurance along with delivery insurance.

Whether you have existing SD&P insurance or not, we can get you covered with a Zego delivery policy.

zego pay-as-yo-go insurance icon


Pay for cover only when you work.

Hire and reward (H&R) only—you must have existing personal (SD&P) insurance.

Top up using the app.

zego 30 day monthly insurance icon

30 Days

Short-term, flexible cover.

Available as H&R only or as a combo to include personal (SD&P) cover.

Buy with a single payment.

zego 12 months annual insurance icon

Annual (12 months)

Long-term, cost effective cover.

All annual policies include personal (SD&P) cover.

Buy with a single payment or 9 monthly instalments (deposit required upfront).

Is a Zego hire and reward policy for me?

  • You have a full UK/EU driving licence

  • You’ve had no more than 2 claims in the last 3 years (regardless of fault)

  • You're aged 21-65

  • You're the vehicle owner or registered keeper

  • You live and work in England, Scotland, or Wales

  • The current vehicle value is less than £30,000

Hire and reward cover for vans

Get all-in-one insurance for van courier work. Our Annual Combo courier delivery policies come with both social, domestic and pleasure (SD&P) and hire and reward (H&R) insurance, so you're fully covered.

Courier van insurance
zego courier van driver sat in his van checking his zego insurance policy on an ipad

What our customers say

In my opinion, Zego is one of the best, easy and most suitable insurers on the market. If you're looking for insurance for your scooter, car or any other vehicle Zego is the right choice.

Sanjay Gurung, Delivery Drivertrustpilot stars rating

It's day one and I’m impressed. Spoke with Zego twice today to insure my scooter. Lovely customer service, the staff are friendly and happy to help. I also got the best price I've ever had. Saving £400 this year on insurance. Hope to do business with Zego for a long time!

Gerculy Robert, Delivery Drivertrustpilot stars rating

Why choose us?

zego easy to use app icon

Easy-to-use app

View your documents, update your details and manage your cover in the Zego Delivery app.

zego customer service icon

Here when you need us

Need a hand? Our multi-language support team will be happy to help.

zego flexible insurance cover icon

Flexible cover

Choose between hourly, monthly and annual insurance. Get cover for your car or your scooter.

zego trusted insurance partner, hand holding phone showing a shield for protection

You're in safe hands

Commercial insurance is our thing. In fact, over the past 7 years we’ve sold over 58 million policies*.


*10% of customers paid this or less in the 6 months prior to 24/10/23