Hire and Reward Insurance

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What Is Hire & Reward Insurance?

Hire & Reward Insurance is a legal requirement if you are transporting products or hiring out your vehicle in return for payment. If you transport goods or hire your vehicle without this type of cover, your standard vehicle insurance can become invalid.

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Quote Goat helps thousands of customers each year to compare quotes from a panel of leading insurance providers using just one short form.

Our service is completely free for our users and we are 100% impartial. To get started, enter your details into our quote form to see how much you could save on your hire & reward insurance.

As well being able to compare quotes for hire & reward insurance, you can discuss your exact requirements with a specialist broker to receive tailored quotes and gain advice on exactly what type of cover you would require.

Who Is Hire and Reward Insurance For?

Hire & Reward Insurance is important for anyone that carries/transports other people’s goods in return for payment. Without it you could be liable for the cost of replacing your customer’s good should anything happen, e.g. damage or theft.

Businesses that typically purchase hire & reward insurance include:

  • Taxis/Chauffeurs/Private Hire
  • Couriers
  • Haulers
  • Removals
    and many more


Is it a legal requirement to have hire and reward insurance?

Yes, it’s a legal requirement for drivers carrying people or property for a fee to have hire and reward, or courier insurance. You can buy a normal car or van insurance policy, then ‘top up’ with hire and reward cover, or you can buy a fully comprehensive hire and reward insurance policy.

What type of insurance do I need to deliver food?

To deliver food via motorised vehicle in the UK, you must have hire and reward insurance. If you’re delivering food by bicycle, you don’t legally need any form of insurance, but it’s always a good idea!

Will my employer buy my hire and reward insurance for me?

This comes down entirely to each employer and your contract with them. If you’re freelance or a sole trader, it’s likely you’ll need to sort out your own insurance, however, it’s worth asking your employer before you buy a policy.

How much does it cost?

Policy prices are calculated using a multitude of factors including age, location, work-type, vehicle type and more. Therefore, the best way to get an accurate understanding of cost is to submit the quote form and get a no-obligation quote.

How can I make a claim?

Please contact your insurance provider if you need to make a claim or have any questions about your policy.

Can cover be paid for on a monthly basis?

Yes. Although monthly payments end up being more costly compared to annual payments which do not include interest charges.

Is there a minimum age?

Whilst many insurance providers have age limits of 21 or even 25, there are others that can provide cover for people under 21.

Author Image - Michael Foote

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.