Amazon Flex Insurance

Insurance for Amazon Flex means hire and reward cover that lets you deliver parcel blocks in your own vehicle. Amazon Flex says car drivers must arrange their own hire and reward cover plus minimum social, domestic and pleasure cover (Amazon Flex safety).

This page explains what that means for your car, van or e-bike, and how to choose the right type of policy.

Which Amazon Flex set-up are you?

The rules depend on what you deliver in. This table sums up the published requirements.

Smaller cars are not eligible, and you need a full UK licence for car deliveries (Amazon Flex requirements).

What “H&R plus SD&P” means for your Amazon Flex cover

H&R is hire and reward: the class of use that covers carrying goods for payment. SD&P is social, domestic and pleasure: everyday driving such as shopping and visiting family.

Most drivers also use the car for everyday trips, so having both uses on one certificate is the simplest set-up. You can buy them as one policy, or keep a private policy and add hire and reward as a top-up. Our hire and reward guide explains the options in more depth.

Hourly, monthly or annual Amazon Flex insurance: which suits your blocks?

Amazon Flex lists insurance partners offering hourly, monthly and annual cover, so all three are in use. Which suits you depends on how many blocks you take.

• Occasional blocks. Pay as you go cover lets you pay only while you work.
• Regular weekly blocks. Monthly cover can be easier to budget for.
• Most days of the year. An annual hire and reward policy may work out simpler.
• Seasonal work. If you only take blocks in the run-up to Christmas, a short policy may suit those weeks.

Whichever insurer you use, check the policy meets the published minimums. Compare more than one before you choose, and look at the excess and any vehicle limits as well as the price.

Driving rules that still apply on every block

Blocks often mean a tight schedule and a phone full of directions. Holding and using a phone while driving can mean a £200 fine and 6 points, so use a holder or windscreen mount (GOV.UK).

Driving a block without valid hire and reward cover counts as uninsured driving. That can mean a £300 fixed penalty and 6 points, or a court fine and ban (GOV.UK).

Checklist before you get an Amazon Flex quote

• Your full UK licence details and the date you passed
• The car or van registration, and its seat count
• Your current private policy, if you plan to add a top-up
• Roughly how many blocks you take each week
• Any other delivery apps you use, so one policy can cover them all

Behind Tiger.co.uk sits Seopa Ltd (FCA FRN 313860), which runs the comparison service with a panel of FCA-authorised insurers. Over three million people use it, and Amazon Flex insurance quotes take one short form.

Ian Wilson, Managing Director at Tiger.co.uk, says: “Screenshot your certificate before you sign up for blocks. If it shows hire and reward and social, domestic and pleasure use, you have the two insurance uses the app asks for.”

Other cover to consider: goods in transit insurance protects the parcels, and breakdown cover means a flat battery need not cost you a block. More options are on the courier insurance hub, and parcel work for other firms is covered on our Evri and Hermes driver page.

What insurance does Amazon Flex require?

Amazon Flex says car drivers must provide their own hire and reward insurance plus minimum social, domestic and pleasure cover. E-bike riders need public liability and personal accident cover instead.

Can I use my normal car insurance for Amazon Flex?

Not on its own. A private policy, even with business use, does not cover delivering parcels for payment. You need hire and reward cover as well, either added on or as one policy.

Get your Amazon Flex quote on Tiger.co.uk before you book your first block. Policies vary, so confirm both uses appear on the certificate.