The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

What Insurance Do I Need To Drive With CitySprint?

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CitySprint are one of the UK’s leading courier/delivery businesses, employing over 5,000 couriers in the UK and operating more than 40 sites across the country. As the market for eCommerce and home deliveries continue to grow, you may be considering signing up with them—courier work can be a great option for anyone with their own vehicle looking to earn.

CitySprint does provide you with some insurance coverages, however these are primarily designed to cover the goods you transport, and don’t protect you or your vehicle. This article will cover everything you need to know about getting properly insured to drive with CitySprint.

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What insurances do I need to be a courier for CitySprint?

At minimum, you’ll require a form of Hire and Reward or Courier Insurance in order to drive with CitySprint. However there are additional coverages it’s worth being aware of that can help you stay covered in the event of an incident.

Courier Insurance/Hire & Reward

While the two are sometimes referred to interchangeably online (often confusingly, too!) there is an important difference between them.

Courier Insurance policies (often referred to as Commercial Insurance) are annual policies, and will generally include both your Social, Domestic & Pleasure (SD&P) protection and the insurance you need to deliver goods in return for payment. Once you’ve signed up for one, you’re covered all the time, whether you’re driving for work or social purposes. These policies are generally best for full-time couriers.

Hire & Reward policies (sometimes referred to as “Pay-As-You-Go/Top-Up Insurance") are designed to only cover you while you’re working as a courier. It sits “on top” of your existing SD&P coverage, and matches its level—meaning if your SD&P coverage is Third Party Only, then your Hire & Reward will only cover you for Third Party Only damages as well.

Hire & Reward policies are generally preferred by part-time couriers, or anyone who doesn’t view courier work as a long-term employment solution. Be aware that many SD&P providers do not accept pay-as-you-go/top-up coverage as valid, leaving you at risk of voiding your coverage, so if you are going to go down that route you’ll want to check with your provider before signing up.

Is Business Use Insurance enough for a Courier?

Some businesses, such as Amazon, state that Business Use Class 3 insurance is enough to cover you to drive with them—our research indicated this is not the case, however, and most insurers do not cover couriers under a Business Use Class 3 policy. There’s certainly a lot of confusion on the web, but we’re yet to find a provider who would insure couriers with Business Use Class 3.

Courier Insurance Price vs Pay-As-You-Go/Top-Up Price

Cost-wise, an annual Courier/Commercial policy starts from around £2,000 per year (including your SD&P coverage too). Hourly PAYG/Top-Up coverage usually costs between £1-£3 per hour, depending on your driver profile and vehicle, so is certainly a more cost-effective option for any part-time/short-term drivers—assuming your current SD&P insurer is happy for you to take a policy out.

Courier Public Liability Insurance

While not a requirement to drive for CitySprint, Public Liability is popular with professional drivers across the country. It covers you in the event that you’re at fault for an accident that causes damages to other businesses or third parties.

  • Example: While carrying a heavy box in a depot, you bump into another driver, causing them to fall. They're unable to work for a week due to the injuries sustained, and sue you for their lost wages.

Courier Insurance is a fairly specialist insurance type, and as such providers often like to differentiate themselves from the competition by creating well-rounded policies. As such, many Courier Insurance policies will already include a form of Public Liability within them, so if you’ve signed up to one check to see exactly what you are and aren’t covered for.

If you’re going to be taking on delivery work for other businesses, some may require you to have Public Liability before they take you on, so keep that in mind if CitySprint isn’t going to be your only source of work.

While it can feel like an unnecessary additional cost, the average Public Liability settlement in the UK is around £13,500, and considering policies start from just over £100 per year it’s well worth considering—especially when motor vehicles are involved.

Injury/Accident Insurance

While working with CitySprint, you are technically recognised as a self-employed driver—not a CitySprint employee. This means if you’re unable to work for whatever reason you won’t receive any income from them. This is fairly common in the UK courier market, and while food delivery app JustEat is taking a first by offering its UK couriers holiday/sick pay it’s unlikely to change market-wide in the immediate future.

An Injury/Accident policy will generally start from around £35.00 per year for a non-smoker, and insures you for between 55%-70% of your monthly income (pre-tax), depending on your provider. It’s well worth considering if you’re not sure how you’d cover your bills in the event of something going wrong.

What insurances does CitySprint provide for its drivers?

CitySprint does cover the goods and packages you deliver, so if something does happen and they’re damaged accidentally while you’re on the move you won’t need to lose any sleep about replacing them.

Once you’ve covered your vehicle you should have everything you need in order to sign-up and drive with CitySprint. As you’re considered an “independent contractor” keep in mind that you aren’t eligible to receive any of the benefits that would typically come with being a full-time employee, such as sick pay or pension contributions.

Not all courier/delivery businesses cover the goods and packages, however, so if you’re using your vehicle for other services (such as furniture removal) then you’ll want to consider a Goods-in-Transit policy.

Goods-in-Transit Insurance

Goods-in-Transit will insure you in the event that the goods you’re transporting are stolen, lost or damaged while you’re moving them. CitySprint covers you for this while you’re working with them, but some other businesses may not, so if you’re going to be taking shifts from multiple job sources it’ll be worth thinking about.

Policies start from as little as £4 per week, but this does depend on the value of goods you’re typically transporting and whereabouts you’re delivering, so expect to pay a little more if you’re regularly carrying valuable product or driving around busy city centres.

How can I save money on my CitySprint Insurance?

Saving money on your CitySprint insurance is exactly the same as you would find trying to save money on other courier/delivery-related coverage.

  • Cheaper, less powerful vehicles are less likely to be in expensive accidents, so are cheaper to cover
  • No previous claims/driving convictions
  • Keeping your vehicle in a locked garage as opposed to on the road or away from your property

You’ll also notice that your age and location have a strong impact on any quotes you receive, so expect to pay more if you’re living in/around a big city or are younger than some of your fellow delivery drivers.

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The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.