Do I need goods in transit insurance?
For parcel work, usually yes - and the contract may require it.
Last checked 12/09/2026.
Goods in transit covers the value of what you are carrying if it is lost, stolen or damaged. Hire and reward covers the driving; it does not usually cover the load.
For parcel work it is often required by the contract, and it is worth having regardless: a stolen car full of parcels is a bill you do not want personally. For food delivery it matters much less, since the value of what you carry is small.
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