Road and liability
Insurance gaps and lost parcels
Hire-and-reward motor cover is not the same as commuting insurance. Goods-in-transit and public liability sit in another conversation. A missing policy can leave you paying for a claim.
What to watch for
- Using a social policy on courier work
- No goods-in-transit when you carry other people's cargo
- A contract that makes you the insurer
Practical next steps
- Ask the operator what they cover and get it in writing
- Speak to a regulated broker — this site does not sell insurance
- Never store policy schedules or licence scans in your Courier Drivers profile
Official help
This is general information for UK courier drivers, not legal, tax, insurance or employment advice. Only a court, tribunal or the relevant authority can decide a case. Check current GOV.UK guidance or speak to ACAS, Citizens Advice or a qualified adviser about your situation.