The team was professional, responsive, and guided me clearly through the entire process.
Hire & reward insurance
Flexible insurance for couriers and car delivery drivers
Delivery insurance for the way you work
- Insurance by the hour, month or year
- Cover for delivering parcels and food, taxis and more
- Keep track of everything in the app
Choose who you work for
When you need it
The "reward" part is the key: the moment you're paid to transport something or someone, a standard car policy no longer covers you. That applies even if delivery is a side hustle on top of a normal job. In the eyes of the law and your insurer, you're driving for hire and reward the minute money changes hands.
What it covers
A hire and reward policy covers damage or repairs to your vehicle if you're in an accident, plus legal costs and compensation if someone is injured. It's a legal requirement for anyone working as a private hire driver, a van courier or a food delivery driver.
What is hire and reward insurance?
Hire and reward insurance is a commercial motor policy that covers you to carry goods or passengers in exchange for payment. If you deliver food, drop off parcels or drive private hire, it's the cover that keeps you legal while you work.
Do I need hire and reward insurance?
If you're paid to carry goods or passengers, yes. Standard car insurance won't cover you, and neither will most business policies.
This trips a lot of drivers up, so it's worth being clear about the three classes of use:
The three classes of use
Social, domestic and pleasure (SD&P)
Covers everyday personal driving: the shops, the school run, visiting friends. It doesn't cover any paid work.
Business use
Covers driving for your own work, like visiting clients or different offices. It still doesn't cover carrying other people's goods or passengers for payment.
Hire and reward (H&R)
The cover you need to deliver food, drop parcels or drive private hire.
Getting this wrong can be costly
Getting this wrong can be costly. If you make deliveries on an SD&P or business policy and have an accident, your insurer can refuse the claim. You could also face a fine, points, or worse if someone is hurt. Platforms know this too: Just Eat, Uber Eats, Deliveroo and Amazon Flex all check your certificate of insurance before you can start earning.
Types of hire and reward insurance
Whatever you drive, there's a hire and reward policy to match. Choose the cover that fits how you work.
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 Car insurance or not, we can get you covered with a Zego delivery policy.
Pay-as-you-go
Pay for cover only when you work.
- Hire and reward (H&R) only. You must have existing personal (SD&P Car insurance or Scooter insurance) Cover.
- Top up using the app.
30 Days (Monthly)
Short-term, flexible cover.
- Available as H&R only or as a combo to include personal (SD&P) cover.
- Buy with a single payment.
Annual (12 Months)
Long-term, cost effective cover.
- All annual policies include personal (SD&P) cover.
- Buy with a single payment or 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
How much does hire and reward insurance cost?
There's no single price. It depends on your vehicle, your age, where you live, your claims history and how much you drive. Because delivery and courier drivers spend more time on the road, and often in busy areas, premiums are higher than for a standard personal policy.
The bigger factor is how you buy
Pay-as-you-go
Suits part-timers. You only pay for the hours you work, so light users often pay least overall.
30-day cover
Gives you a fixed monthly cost, useful for seasonal or trial periods.
Annual cover
Usually the best value if you drive full-time. You don't have to pay for the full year upfront: spread it across the year instead with Zego Credit*.
Ways to bring your price down
A few things can bring the price down. Paying annually rather than monthly avoids interest, parking somewhere secure overnight helps, and a clean claims record makes a real difference. The cheapest option on paper isn't always cheapest for you, so match the policy to how often you actually drive.
Get covered in three simple steps
Sorting out your insurance shouldn’t slow you down. Our app links to all the main providers, including Uber Eats, Vromo and Just Eat, so you’ll be ready to hit the road in just a few minutes.
Why we're the right choice
750k
Drivers have chosen us
94m
Policies sold to date
Whatever I need to click, view or check is easy to find and/or modify.
Every time I have dealt with Zego I get a fast response.
Highly recommend their services to anyone in the delivery industry.
Everything was set up smoothly, and I’ve had a great experience so far.
They explained everything clearly and helped me activate my insurance smoothly.
Hear from our drivers
Here’s what some of our drivers have to say.
Meet Peter
Zego customer service has been very reliable, and very prompt. And I think I would recommend Zego to my friends.
Meet Geovane
I became a customer of Zego six years ago. I never had problems. Zego as the company, easy for contact... I am very happy at Zego.
Meet Chris
Most insurance companies didn’t want to insure me as a delivery driver as well as normal insurance so a company like Zego is perfect for that.
Hire and reward frequently asked questions
Yes, if you are delivering food in exchange for payment, you’ll need a hire and reward policy to keep you covered while you’re on the road.
Not in all cases. Some business class insurance policies aren’t as comprehensive as commercial H&R insurance.
For example, some business class policies only cover you if you’re travelling between two set locations to deliver goods, rather than from a depot or restaurant to lots of different addresses.
With our H&R insurance, you’re covered for private hire driving, food deliveries and courier work.
No, hire and reward insurance covers you and your vehicle if you’re involved in an accident while working. Goods in transit insurance covers any damage done to the items you’re carrying.
This will depend on a few things, like where you’re located, what vehicle you drive and whether you’ve made any insurance claims in the past.
The easiest way to find out is to get a quote. It only takes a minute, and we keep our prices fair.
For more information, please visit: