Does Amazon arrange my insurance?

Delivery platforms set their own rules about what cover drivers must hold and what, if anything, they provide. Check Amazon's current Flex requirements so you know exactly what you need to arrange yourself before you start delivering.

Can I drive Flex on a normal van policy?

Not unless the policy includes hire and reward. A standard van policy does not cover delivery for payment, so a claim could be refused.

Is pay-as-you-go insurance suitable for Flex?

It can be. If you only pick up occasional blocks, hourly or short-term hire and reward cover may cost less than a full annual policy.

Courier

Do Amazon Flex drivers need special insurance?

Amazon Flex drivers carry parcels for payment, so a standard car or van policy is not enough. Here is what hire and reward courier cover involves.

Amazon Flex drivers carry parcels for payment, and that changes the insurance they need. A standard car or van policy for social, domestic and commuting use will not cover paid delivery work, so Flex drivers need cover that includes hire and reward.

Why Flex work needs different cover

Amazon Flex involves delivering parcels for a fee, which is classed as carrying goods for hire and reward. Your everyday social or commuting policy excludes this. If you have an accident during a delivery block on that kind of policy, your insurer could refuse to pay out.

Amazon sets its own requirements for drivers, and these can change. Always check Amazon's current Flex terms so you know what cover you need to hold yourself before you start a block.

What Flex drivers typically consider

Hire and reward cover for paid parcel delivery.
Goods in transit to protect the packages you carry.
Public liability, which some platforms and clients expect when you are working on their behalf.

Flexible or annual cover

Many Flex drivers work flexible hours, so pay-as-you-go or short-term courier policies can suit you if you only deliver on some days. If you deliver most days, an annual courier policy may work out better and can help you build a no-claims record. Our guide to courier insurance covers both options.

Before you start delivering

Check the vehicle you use meets the platform's rules.
Make sure every driver who uses the vehicle for Flex is insured for it.
Keep proof of your cover to hand in case you are asked for it.

Getting courier insurance quotes

With Kompare you fill in a short form about your vehicle and how often you deliver. A specialist FCA-authorised broker from our panel then contacts you about courier insurance quotes. Read how we work, or start on our courier insurance page.