Zego vs Inshur vs Acorn: which is best for delivery drivers?

Comparing the top specialist delivery insurers

If you drive for apps like Deliveroo, Just Eat, Uber Eats or Amazon Flex, normal car insurance will not cover you. You need hire and reward insurance. Three names come up most often when drivers look for cover: Zego, Inshur and Acorn. Each one works differently, and the best choice depends on how many hours you work and what vehicle you drive.

Choosing the right provider can save you hundreds of pounds a year. It also makes sure you are legally covered if you have an accident while out on a drop.

Zego: best for flexibility and pay as you go

Zego is famous for its app based cover. They offer annual policies, but most delivery drivers know them for their pay as you go option. You connect your Zego account to your delivery app, and you only pay for insurance by the hour while you are on an active order.

• Great for part-time drivers or those who multi-app across different platforms.
• Hourly rates mean you do not pay for insurance when your engine is off.
• Requires a special Zego sensor or direct app integration to track your working hours.

If you only log on for a few hours during the weekend dinner rush, Zego usually works out cheaper than a standard annual policy. If you work fifty hours a week, an annual policy is almost always better value.

Inshur: best for quick quotes and private hire drivers

Inshur handles almost everything through their mobile app. They focus heavily on food delivery drivers and private hire taxi drivers. You can get a quote, pay and get your documents on your phone in a few minutes without talking to a call centre.

• Fast digital setup with instant document delivery to your email and the app.
• Strong links with major platforms like Uber Eats and Just Eat.
• Good options for drivers who combine private hire passenger work with food delivery.

Inshur mostly offers 30-day or annual policies rather than hourly pay as you go cover. This makes them a strong fit for full-time couriers who want steady cover without checking their hourly balance.

Acorn: best for traditional annual policies and older drivers

Acorn is a more traditional broker and insurer. They often cover drivers who struggle to get quotes elsewhere, such as younger drivers, drivers with points on their licence, or those with non-standard vehicles.

• Specialises in annual hire and reward policies for higher risk profiles.
• Can often cover modified cars, older vans and multi-vehicle setups.
• Usually requires a phone call or standard broker form rather than a fully instant app quote.

If Zego or Inshur give you a high quote because of your age or history, Acorn is often worth checking. Their annual policies give you complete peace of mind without tracking apps.

Which one should you pick?

Your working pattern decides the winner. Part-time drivers usually prefer Zego for hourly flexibility. Full-time delivery drivers find Inshur fast and convenient for monthly or yearly blocks. Drivers with complex insurance history or commercial vans often find Acorn offers the most realistic price.