Courier Van Insurance UK 2025: Best Policies for Delivery Drivers (Amazon, Evri, & Uber)

 

The UK delivery sector continues to grow rapidly in 2025, driven by e-commerce, same-day shipping, and the gig economy. Thousands of drivers now work for platforms such as Amazon, Evri, and Uber—but many don’t realise that standard van insurance is not enough.

That’s where Courier Van Insurance UK 2025: Best Policies for Delivery Drivers (Amazon, Evri, & Uber) becomes essential. Courier insurance is a specialist policy designed for drivers who transport goods for hire and reward. Without it, you risk invalid cover, fines, and rejected claims.

This in-depth guide explains what courier van insurance is, which policies are best in 2025, how much it costs, and how delivery drivers can stay fully compliant while keeping premiums low.

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What Is Courier Van Insurance?

Courier van insurance is a type of commercial vehicle insurance that covers drivers who deliver goods in exchange for payment. It goes beyond standard “social, domestic, and commuting” or even basic business use.

Courier insurance typically includes cover for:

• Carrying other people’s goods

• Multi-drop deliveries

• Time-sensitive and high-mileage driving

• Work for delivery platforms and logistics companies

If you deliver parcels, food, or groceries—even part-time—you usually must have courier-specific cover.

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Why Standard Van Insurance Is Not Enough

Many new delivery drivers assume normal van insurance is sufficient. In most cases, it isn’t.

Key Differences

Standard Van Insurance	Courier Van Insurance
Personal or business use	Hire & reward cover
Limited mileage	High mileage accepted
No parcel cover	Goods-in-transit cover
Invalid for deliveries	Fully legal for couriers

Driving for Amazon, Evri, or Uber Eats without courier insurance can invalidate your policy instantly.

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Courier Van Insurance UK 2025: What’s Changed?

In 2025, courier insurance has evolved due to:

• Increased gig-economy regulation

• Rising repair and labour costs

• More electric delivery vans

• Demand for flexible, short-term cover

Insurers now offer:

• Pay-as-you-go courier insurance

• Daily, weekly, and monthly policies

• App-based policy management

• Telematics discounts for safe drivers

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Best Courier Van Insurance Policies for Delivery Drivers

1. Amazon Delivery Drivers

Drivers working through Amazon Flex or DSPs usually need:

• Hire & reward insurance

• Goods-in-transit cover

• High mileage allowance

Some DSPs include insurance, but Flex drivers often need their own courier policy.

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2. Evri Couriers

Evri drivers typically operate as self-employed couriers.

Recommended cover:

• Courier van insurance with multi-drop use

• Optional public liability insurance

• Flexible mileage bands

Short-term and rolling monthly policies are popular with Evri drivers.

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3. Uber Delivery Drivers

For Uber Eats and parcel delivery:

• Hire & reward insurance is mandatory

• Pay-per-hour or pay-per-day policies are common

• App-based insurance is widely accepted

Uber drivers benefit most from flexible insurance that can be switched on and off.

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Types of Courier Van Insurance Cover

Third-Party Only

• Legal minimum

• Covers damage to others only

• Cheapest option

Third-Party, Fire & Theft

• Adds fire and theft protection

• Popular for older vans

Comprehensive Courier Insurance

• Covers your van, goods, and third parties

• Best for full-time delivery drivers

Most couriers in 2025 choose comprehensive cover due to high daily mileage.

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Optional Add-Ons Worth Considering

• Goods-in-transit insurance (often £10k–£50k cover)

• Public liability insurance

• Breakdown cover

• Courtesy van cover

• Legal expenses cover

These extras can prevent costly downtime if something goes wrong.

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How Much Does Courier Van Insurance Cost in the UK?

Average Costs (2025 Estimates)

Driver Type	Annual Cost
Part-time courier	£1,200–£1,800
Full-time courier	£1,800–£3,000
New driver (under 25)	£2,500+

Prices depend on:

• Van size and value

• Location

• Driving history

• Mileage

• Type of goods carried

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How to Reduce Courier Insurance Costs

Money-Saving Tips

• Compare specialist courier insurers

• Choose higher voluntary excess

• Install telematics or tracking

• Avoid unnecessary modifications

• Pay annually if possible

• Build a claims-free history

Even small changes can reduce premiums significantly.

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Legal Requirements for Courier Drivers

To operate legally in the UK, courier drivers must:

• Hold valid courier (hire & reward) insurance

• Have a roadworthy, MOT-certified van

• Display correct tax and registration

• Comply with platform-specific rules

Failure to meet these requirements can result in fines or deactivation from delivery platforms.

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Common Mistakes Courier Drivers Make

• Using standard van insurance for deliveries

• Not declaring multi-drop work

• Underestimating annual mileage

• Skipping goods-in-transit cover

• Choosing the cheapest policy without checking exclusions

Understanding Courier Van Insurance UK 2025: Best Policies for Delivery Drivers (Amazon, Evri, & Uber) helps avoid these costly errors.

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FAQs: Courier Van Insurance UK 2025

1. Do I need courier insurance for Amazon Flex?

Yes, unless your DSP provides full cover.

2. Can I get courier insurance for one day?

Yes. Many insurers offer daily and hourly policies.

3. Is courier insurance tax-deductible?

Yes, for self-employed couriers.

4. Does courier insurance cover my parcels?

Only if you add goods-in-transit cover.

5. Can I use my car instead of a van?

Yes, but you’ll need courier car insurance.

6. Is courier insurance more expensive than van insurance?

Yes, but it’s legally required for delivery work.

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Future of Courier Van Insurance Beyond 2025

Expect:

• More usage-based pricing

• Integration with delivery apps

• EV-specific courier policies

• AI-driven risk scoring

Courier insurance is becoming more flexible—but also more tightly regulated.

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Conclusion: Choosing the Best Courier Van Insurance in 2025

Whether you deliver full-time or part-time, having the right cover is non-negotiable. Courier Van Insurance UK 2025: Best Policies for Delivery Drivers (Amazon, Evri, & Uber) ensures you stay legal, protected, and financially secure.

The best policy isn’t always the cheapest—it’s the one that truly fits your delivery work. Compare carefully, declare everything honestly, and invest in cover that keeps you on the road earning.