Hire & Reward insurance: a guide for Man & Van drivers

If you use a van to carry other people's goods in return for payment, ordinary private motor insurance may not cover that activity. Drivers should make sure their motor policy covers the work they actually undertake.

What does Hire & Reward mean?

Hire & Reward is commonly used to describe motor insurance covering the commercial carriage of goods or passengers for payment. The exact cover needed depends on the work, vehicle, policy wording and business circumstances.

Why ordinary van insurance may not be enough

A policy allowing commuting or general business use does not automatically mean you are insured to transport a customer's property for payment. Before quoting for paid transport work, tell your insurer or broker exactly what you do and confirm the policy provides appropriate cover.

Check the details, not just the policy name

Look at permitted use, vehicle and driver restrictions, territorial limits, exclusions, excesses and any conditions affecting courier, removal or delivery work. If your activities change, check whether your insurance needs to change too.

Hire & Reward and NAMNAV

Drivers using NAMNAV operate independently and are responsible for maintaining the licences, insurance and permissions required for their work. Registration with NAMNAV is not proof that a driver's insurance covers a particular job.

What customers can ask

A customer may reasonably ask a provider whether they have suitable insurance for paid carriage. Drivers who can explain their cover clearly may give customers greater confidence when comparing quotes.

Looking for work? Join NAMNAV as a driver, browse jobs and submit your own prices.

General information only, not insurance or legal advice. Policy terms vary; confirm your requirements and cover with an authorised insurer or broker.