WhatVan? recognised cover
We’ve won What Van?’s prestigious insurer of the year award multiple times, including 2018, 2021, 2023, 2024 and 2025. Better yet, this award is reader voted. As a specialist insurance broker dedicated to fulfilling the needs of the individual, we think this is a testament of our excellent customer service and bespoke delivery van insurance policies.
Get a Hire and Reward Van Insurance Quote
What is hire and reward insurance?
This is a type of cover that allows you to carry parcels, food or passengers in exchange for payment. It’s commonly used by couriers and taxi drivers. This insurance protects you against the distinct risk involved with working on the go. It’s also known as courier van insurance or the carriage of goods for hire and reward.
Do I need hire and reward insurance?
Hire and reward insurance is a legal requirement if you use a van to carry goods that don’t belong to you in exchange for payment. This is because it offers additional business use protection to your vehicle while you’re using it to transport goods.
You might also want to consider adding goods in transit cover to your policy, which insures the goods you’re transporting. While this type of cover isn’t a legal requirement, it will help prevent you from paying out of pocket should the goods get damaged, lost or stolen.
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Why choose Adrian Flux?
- Up to £100,000 in free legal cover as standard
- Cover for the UK and Europe
- Protected no claims discount available
- No claims discounts accepted
- Public liability insurance can protect up to £5 million in liability fees
- Support for self-employed couriers, including those in recent employment
- Cover for owner driver couriers and individual employed couriers
- Legal liability covers any occupants
Extra Benefits
Flex Drive
Drive Any Car Insurance
There are many reasons you might need to drive someone else’s car, either in an emergency or as part of an agreement.
While many policies include third party cover for you to drive any vehicle, this often leaves you liable for the full cost of your own damage caused in the event of an accident.
Our Flex Drive car insurance extends your cover to include accidental damage cover on the vehicle you’re driving, just like a fully comprehensive policy. It covers claims up to £20,000 on any car you use.
That extra cover will give you the confidence to drive any vehicle, with the owner’s permission, at any time.
Breakdown
Flux Rescue Breakdown Cover
Get comprehensive breakdown cover from just a year that offers 24 hour UK and EU roadside assistance and recovery, 365 days of the year.
With cover provided for breakdown and recovery, transport to your home, destination of choice, or a garage for you and five passengers, emergency accommodation expenses, home start service, and breakdown cover for your caravan or trailer too, you can get fantastic protection without breaking the bank.
Our breakdown helplines are open 24 hours a day, 365 days of the year, and we have a network of more than 1,800 breakdown experts across Europe, so you’re only ever one phone call away from help.
Goods in Transit
Goods in Transit Insurance
Goods in transit insurance is designed to cover anyone who uses their vehicle for transporting goods professionally, whether they’re documents, materials, or packages.
Whether you work as a courier, delivery driver, or in the haulage industry, having the right cover for your cargo, whatever it is, can make the world of difference, and save you money and a headache, if something bad should happen.
To find out more about how you can get insurance for transporting goods, and what’s covered, speak to our team today.
Public Liability
Public Liability Car Insurance
Protect yourself from liability costs with our public liability car insurance, available from . Ideal in the event you or your vehicle damages someone else’s property or causes accidental bodily injury.
Public liability car insurance can protect you should you:
Display your car in a car show or exhibit: give us a call if you regularly attend and exhibit in car shows and you require legal cover.
Work as a driving instructor: we offer driving instructor insurance for ADIs and PDIs. Public liability cover can be added to your insurance with little extra fuss.
Work as a courier: you can easily add public liability cover to your self-employed courier van insurance.
Tools
Tools In Transit Insurance
For just a year, you could claim for damage, loss, or theft of tools up to £5,000 whilst they’re being driven in your van, loaded or unloaded, or stored in your van over night.
There’s no denying that the tools of your trade are vital to your business, so you need to know that if they’re lost or damaged that you can afford to replace them and get back to work as soon as possible.
With a low £100 excess for each claim, and cover for theft, loss, or damage, you can be confident that even if the worst happens, we’ll help you to get new tools and get back on the job quickly.
Get a Hire and Reward Van Insurance Quote
How much is hire and reward insurance?
The cost of your hire and reward insurance policy depends on a number of factors, including how long you’ve been driving, the type of vehicle you own and whether you’ve built up a no claims bonus. As a result, it can be difficult to give an average price for your policy.
That being said, commercial van insurance customers saved an average of 18% in 2023 when they took out a policy with us compared to what another company had quoted them. See how much you could save with us by giving us a call.
How to get hire and reward insurance
Getting cover couldn’t be easier:
Give us a call for our most affordable quotes
Tell us about yourself and your vehicle
Choose your policy start date
Get driving when your insurance begins!
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
We accept proof of claims-free driving from your previous employer
If you’ve built up a no claims bonus on another vehicle or with an employer, we can transfer your no claims to your new van. This means you can still reap the rewards of having a no claims bonus.
We can accept proof of claim-free driving from previous company employers including Business Post, Yodel, City Link, Ceva Logistics, Parcelforce, FedEx, DHL, City Sprint, TNT, UPS and UK Mail.
We also accept the transfer of your no claims from previous insurance policies, such as for a personal van.
Will my policy include public liability insurance?
As an extra benefit, we offer hire and reward public liability insurance, which helps protect you and your business in the event someone tries to sue you for injury, property damage or illness. This can be added to your policy for just £84, which will protect up to £5 million in liability fees.
There are plenty of times when you might need this. Scenarios could include:
- You kick over and damage something valuable while on someone’s property delivering a parcel
- You set a parcel down on the pavement and a cyclist runs into it and sustains an injury
- You walk into a passerby while carrying a large parcel when delivering to a property
