Hire and reward cover, goods in transit, and public liability — compared without the call-centre upsell.
Standard van insurance usually doesn't cover you the moment you start carrying other people's goods for payment. If you're doing parcel rounds, removals, or subcontracted delivery work, you need hire and reward cover as standard, plus goods in transit (GIT) cover if you're liable for what's in the back.
Courier platforms and delivery networks (DPD, Evri, Amazon DSP-linked rounds, and similar) often set a minimum cover level in their driver contracts — check yours before you buy, since underinsuring can mean a voided contract as well as a voided claim.
Typical premiums for a single van, 3-year no-claims driver, hire and reward as standard. Your quote will vary by postcode, van value, and claims history.
| Provider | Typical annual | Goods in transit | Excess | Best for | |
|---|---|---|---|---|---|
| Routeguard | £1,140 | Up to £10,000 | £350 | New drivers Cheapest | Get a quote → |
| Haulwise | £1,260 | Up to £15,000 | £300 | Multi-drop couriers | Get a quote → |
| Kerbside Direct | £1,410 | Up to £25,000 | £250 | Removals & high-value loads | Get a quote → |
| Freightline Cover | £1,510 | Up to £30,000 | £250 | Pallet & freight subcontractors | Get a quote → |
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