# What is hire and reward van insurance?

> Quick answer · Last updated 5 July 2026

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## In short

Cover for paid delivery work — food platforms, couriers, multi-drop logistics. Standard private van policies exclude it.

Insurers ask estimated annual business mileage.

Higher excess and premiums reflect theft and accident frequency.

Some platforms require proof of hire and reward cover.

See van insurance guide.

## Related

- [Van insurance guide](https://moneyguide.org.uk/insurance/van-insurance-explained/)
- [Compare car insurance](https://moneyguide.org.uk/cars-motoring/compare-car-insurance-guide/)

## Primary source

abi.org.uk/motor

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.