Does my normal car insurance cover delivery work?
No. You need hire and reward cover, and driving without it is an offence.
Last checked 12/09/2026.
No. A standard policy covers social, domestic and pleasure use, sometimes with commuting. Carrying goods for payment is a commercial use and is excluded.
You need hire and reward cover. Business use class 1 is not the same thing - that covers driving to a second workplace, not delivering for money.
Driving without valid insurance carries six to eight penalty points and a fine, and your vehicle can be seized. An insurer can also refuse the claim, or void the policy entirely, which makes future cover harder and more expensive.
Related
Insurance for delivery drivers: what you actually need
Hire and reward, courier cover, goods in transit and public liability - what each one is for, and why your ordinary car policy will not cover you.
InsuranceUpdated 19/08/2026
What do I need to start delivering?
A licence, the right to work, hire and reward insurance, a phone and a bank account.
Getting startedUpdated 19/08/2026
Riding for Deliveroo: the full guide
How Deliveroo works for a rider: what you need to join, how each fee is worked out, the pay floor agreed with the GMB union, when the money arrives, the insurance Deliveroo gives you for free, and the parts that are left to you.
Getting startedUpdated 29/09/2026
Delivering for Uber Eats: the full guide
How Uber Eats works for a courier: signing up, how each delivery is paid, Quests and batched orders, the weekly pay cycle and the two ways to cash out early, the free Allianz cover, Uber Eats Pro, and the tax side.
Getting startedUpdated 29/09/2026
Delivering for Evri: the full guide
Evri couriers are self-employed and paid per parcel, once a month. You choose between Evri Flex and Evri Plus, which trades a five-day commitment for holiday pay, a pension and guaranteed earnings. Here is how it works and what it means for your tax.
Getting startedUpdated 29/09/2026
Delivering for Stuart: the full guide
Stuart pays a base fee per delivery set by distance and vehicle, multiplies it at busy times, pays for long waits at pick-up, and pays weekly. It also has a written substitution policy and regular face checks. Here is how each part works.
Getting startedUpdated 29/09/2026