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 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.

Zego delivery app help screen

Manage everything in the app

Use the Zego Delivery app to view your documents, update your details, top up your account and more.

Monthly or annual zego policy icons

Cover for the way you work

From hourly to annual insurance, choose a delivery policy that flexes around you.

Monthly or annual zego policy icons

Fair prices

Get our best rates for new policies and renewals, and earn 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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Step 1

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

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Step 2

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

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Step 3

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

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

Top up using the app.

30 Days

30 Days

from £110*

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)

Annual (12 months)

from £1,110*

Long-term, cost effective cover.

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

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

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

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
white vans lined up at insurance depot


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