Amazon Flex Insurance

To deliver for Amazon Flex in the UK, you’ll need commercial insurance cover that includes Hire & Reward (H&R). This is essential as you’ll be delivering third-party goods to various locations across the country.

Hire & Reward insurance

In the UK, anyone transporting goods in exchange for payment needs Hire and Reward insurance. For Amazon Flex drivers, this is vital as they’re delivering Amazon packages to customers.

Social, Domestic & Pleasure (SD&P) Insurance

Alongside H&R, UK drivers must also have their standard personal car insurance, known as Social, Domestic & Pleasure Insurance. This ensures the vehicle is covered for everyday non-commercial use.

Courier Insurance

This is a type of insurance in the UK tailored for delivery drivers. It often encompasses H&R but can offer additional protections specific to the risks couriers face on British roads.

Amazon Flex insurance does not cover:

• Social, Pleasure, or Domestic Driving: The insurance provided by Amazon Flex is specifically for delivery purposes. It doesn’t cover any kind of personal, social, or domestic use of the vehicle.
• Incidents Involving Vehicle Lending: The policy does not cover any type of incident where you have lent your vehicle to another person.

Specific Use Policy

Amazon Flex’s insurance is tailored for the specific use of delivering packages for Amazon. This means that any non-delivery-related activities, such as personal errands or leisure drives, are not covered.

Vehicle Lending

If you lend your vehicle to someone else, and they are involved in an incident, the Amazon Flex insurance will not provide coverage. It’s essential to have a separate personal insurance policy to cover such scenarios.

Other Exclusions

Like all insurance policies, Amazon Flex’s insurance will have specific exclusions and conditions. It’s crucial for drivers to familiarise themselves with the policy’s terms and conditions to understand what is and isn’t covered fully.

Drivers in the UK should always consider having a comprehensive personal car insurance policy in addition to Amazon Flex insurance to ensure they are fully protected against all potential risks on the road.

To obtain cheaper Amazon Flex insurance, consider the following strategies:

• Use Comparison Sites: Utilise online comparison sites to compare multiple insurance quotes. This allows you to find the most competitive rates and choose a policy that offers the best value for your needs.
• Increase Your Excess: By voluntarily increasing the excess (the amount you pay in the event of a claim), you can often reduce your premium. However, ensure that the excess is an amount you can afford to pay if needed.
• Build a No Claims Bonus: Maintaining a clean driving record and accumulating a no claims bonus over time can significantly reduce your insurance costs. Insurers often offer discounts to drivers who haven’t made any claims over a certain period.
• Secure Your Vehicle: Enhancing the security of your vehicle, such as installing an approved alarm or immobiliser, can lead to discounts on your insurance premium.
• Limit Your Mileage: If possible, try to limit the number of miles you drive. Some insurers offer lower rates for drivers who cover fewer miles, as this reduces the risk of accidents.
• Opt for Pay-as-you-go Policies: Some insurers offer policies where you only pay for the hours you drive, which can be cost-effective if you’re not delivering full-time.
• Regularly Review Your Policy: Insurance needs can change over time. Regularly reviewing your policy and shopping around before renewals can ensure you’re always getting the best deal.
• Seek Professional Advice: Consulting with an insurance broker or professional can provide tailored advice and potentially introduce you to specialist insurers who offer competitive rates for Amazon Flex drivers.

By implementing these strategies and staying informed about the insurance market, Amazon Flex drivers can optimise their cover while minimising costs.