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No. Hire & Reward insurance usually sits alongside your Social, Domestic & Pleasure (SD&P) cover. Think of it as a specialist "top-up" policy that covers you specifically when you're earning money from deliveries. We can find you either a "top-up" policy to complement your existing cover, or an "all-in-one" comprehensive policy – whichever suits your situation best.

Yes, 100%. All our quotes come from underwriters who are fully vetted and accepted by all major UK delivery platforms including Deliveroo, UberEats, Just Eat, Stuart, and independent courier services. Your certificate will be accepted immediately – guaranteed.

Absolutely. We understand cash flow is important for delivery riders. We find quotes that offer flexible monthly installments, 30-day rolling policies, or annual payments with discounts. You choose what works best for your budget and riding schedule.

Riding without proper H&R cover when delivering for money is illegal in the UK. If stopped, you could face 6 penalty points on your licence, have your bike impounded, receive a fine, and your standard insurance would be void in case of any accident. Don't risk it – getting covered takes just minutes with Insure41.

It's optional but recommended. Goods in Transit cover protects you if the food or parcels you're carrying get damaged or lost. Some delivery platforms may require this, and it provides extra peace of mind. We can include it in your quote if you'd like this additional protection.