Hire and reward insurance

Flexible insurance for couriers and car delivery drivers.

What is hire and reward insurance?

Hire and reward insurance is a type of commercial motor insurance 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.

Work flexibly with our delivery app

Hire and reward courier cover to suit you

From pay-as-you-go to annual cover, choose a delivery insurance policy that fits the way you work.

Effortless admin

Use our app to check your balance, top-up instantly, view your policy documents and much more.

Great prices

Get our best rates for new policies and renewals, plus rewards when you refer a friend.

How does hire and reward insurance work?

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

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Choose the type of insurance policy that’s right for you and fits when you work.

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Use the Zego Delivery app to link your account with your work providers.

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You’re all set! You’re covered to deliver as a van, courier or food delivery driver.

Hire and reward cover for vans

Get all-in-one insurance for van courier work. Choose from monthly to annual cover to suit you.

Van courier insurance
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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 personal (SD&P) insurance or not, we can get you covered with a Zego delivery policy.



£0.80* p/hr

Pay for cover only when you work.

Standalone only—you must have existing personal (SD&P) insurance.

Top up via the app.

30 Days

30 Days

from £90*

Short-term cover.

Available standalone or as a combo to include personal (SD&P) cover.

Paid in a single payment.

Annual (12 months)

Annual (12 months)

from £930*

Long-term, cost effective cover.

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

Option to pay in a single payment or 9 monthly installments.

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 are aged 21 - 75

  • You are the vehicle owner or registered keeper

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

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


*10% of customers paid this or less in the 6 months prior to 13/5/2022.