Self employed Courier Insurance
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Why you need self employed courier insurance
Last updated : 16th June 2022
Working for the major delivery services like Hermes and Amazon today during the pandemic can be an avenue for establishing a revenue stream for you and your family. If you are delivering multiple items on a multi drop basis you will need
Standard Car Insurance is Not Sufficient
Driving a car without the proper insurance is the same as driving without insurance and can result in an unwanted
Standard Van Business insurance is Not Sufficient
Getting the right cover is just as important if you’re using a van, rather than your own car, to deliver parcels. Van policies themselves are intended for commercial purposes, but not necessarily for couriers. They’re a general policy, covering people who use their vans for work, such as plumbers, gardeners and builders, and don’t cover risks specific to those using their van to deliver parcels.
If you have a work van, you will most likely have a form of van commercial insurance to cover using your van for your business or trade, plumber for example. Again, this will not cover you for the delivery of items, example food or parcels. If you use a van, then you will need to take out a
Is it worth being a self-employed courier?
Being a self-employed courier can provide positive rewards over working for an employer, but it will take time to get established. If you do the ground work and research and maybe even get some upfront contracts and provide a good, reliable service, the time and effort will be rewarded. The opportunities within the courier trade just seem to keep growing. If you go this route and invest in a van, make sure you have
What does Hermes provide a courier?
For the part time courier, Hermes provides a wage that can be £10 to £15 an hour. They hire both full-time couriers who are their employees and self-employed couriers. The courier can provide their own delivery driver insurance policy, or Hermes will issue a policy of their own to the courier. The policy issued by Hermes is the minimum requirement of Third Party Only commercial
Employed and self-employed delivery drivers both need the same insurance
Regardless of being self employed or employed, you will need courier insurance. If employed, your employer should provide the required insurance, but do check. If self employed contact your broker as you may have an option of top up insurance to provide the required cover for delivery of goods on a multi drop basis.
What does Amazon Flex provide a courier?
Amazon does not employ any couriers as employees. They only hire self-employed couriers and classify them as part of their Amazon Flex department in their business plan. The pay is advertised as being the same as Hermes, which is £10 to £15 an hour. The courier who wants to work for Amazon Flex is required to provide their own class 3 self employed courier insurance policy before they can be hired.
To work as a courier for Hermes, Amazon or any other firm, you must have at minimum Third Party Only commercial class 3 hire for reward insurance. The biggest difference on the surface between Hermes and Amazon is that Hermes will help you get coverage, while with Amazon it will be your sole responsibility to get self employed courier insurance.
Compare self employed courier insurance
Multiquotetime works in partnership with Quote Zone who provide a simple form which once completed is submitted to a specialist panel of brokers. These specialist brokers will provide you with a range of
Self-employed Courier FAQ's
Becoming a self employed courier will pay rewards in the long term, but in the short term you will need to invest time and money building up your business, but this is true of any small business venture.