What is Amazon Flex Insurance?

As of 2026, the UK e-commerce market has matured into a stable but massive sector, with Amazon continuing to dominate through its sophisticated logistics network. While the pandemic-era surges have leveled off, delivery driver demand remains high, with average hourly earnings for Flex partners currently ranging between £13 and £17. With flexible gig work now a permanent fixture of the UK economy, Amazon Flex remains a popular choice for those looking to turn their personal vehicle into an income-generating tool.

When thinking about Amazon Flex UK insurance, you may be wondering what you’ll need to get started, and for what exactly you are and aren't covered—delivery driving is a risky business after all, and you may have already found finding quotes online difficult as larger insurers sometimes shy away from offering policies.

We've put together a guide on how much you can expect to earn while driving for Amazon Flex UK, well worth a read if you're wondering whether or not it's worth it.

This article will cover everything you need to know regarding Amazon Flex insurance here—naturally starting with your Hire and Reward Courier Car insurance. Our partners at QuoteZone work with a number of courier insurance businesses, so if you might like to know what a policy could look like for you fill out a quote form, and they’ll put you in touch with insurers who specialise in protecting delivery drivers and couriers.

Note: Amazon Flex has significantly clarified its requirements in recent years. As of 2026, the platform mandates that all delivery partners provide proof of valid Hire and Reward (H&R) insurance before they can accept their first block. This is a strict regulatory requirement, and Amazon now uses digital verification systems to link directly with approved insurance providers like INSHUR and Zego to confirm your coverage in real-time.

What Insurance Do I Need To Drive For Amazon?

All Amazon Flex drivers will need a form of commercial insurance to cover their delivery driving, typically referred to as hire & reward. It’s a legal requirement to have this in the UK for a motorist paid to make deliveries. It's critical to ensure you have this cover, as well as social, domestic and pleasure (SD&P) insurance for personal driving (including 'commuting' cover to protect the drive to the depot and back home again at the end of your shift).

Flex’s FAQ’s addresses many driver questions regarding insurance.

If you choose 'top-up' or 'pay-as-you-go' cover from providers like Zego or INSHUR, you must first confirm that your main Social, Domestic & Pleasure (SD&P) insurer allows this. In 2026, many major insurers (including Aviva, AXA, and LV) still explicitly forbid top-up policies, and using one could void your entire personal insurance policy. However, providers such as Admiral and Direct Line have become more accommodating to the gig economy. Always verify with your primary insurer before purchasing top-up cover to ensure you aren't left completely uninsured in the event of an accident.

CRITICAL UPDATE: Unlike in previous years, Amazon Flex no longer provides complimentary Hire and Reward insurance for its UK drivers. Since the policy was withdrawn in late 2022, you are now entirely responsible for arranging and paying for your own commercial insurance. You must have this H&R cover active for the duration of every delivery block; driving without it is illegal and will result in your immediate removal from the Flex platform.

What Do I Need For Amazon Flex Insurance?

Firstly, Amazon is clear that you must hold adequate insurance before driving for them, and be able to present proof upon request. While this isn’t surprising (driving without valid insurance is illegal) they are clear that you are not eligible for Amazon’s Flex insurance if you don’t hold an appropriate policy—meaning if you are involved in an incident while driving for Amazon, and not sufficiently insured, you won’t be covered.

There are a few more requirements you must meet before being eligible for Flex insurance:

If you don’t meet these criteria, it doesn’t mean you aren’t eligible to work with Flex entirely—just that you’ll need to sort out your own hire & reward policy to be able to work—but keep in mind that Amazon may not hire you in the first place if you don’t satisfy the requirements.

FAQ's

Where can I find Amazon Flex jobs?

Download the Amazon Flex app UK to see whether or not Amazon is hiring for drivers near you.

What's the best Amazon Flex UK forum for drivers?

As a Flex driver you have a few choices to communicate with your fellow Amazon Flex UK drivers—try the Flex section of UberPeople or the subreddit r/AmazonFlexDrivers.

Where can I find the Amazon Flex app download?

Click here and it'll take you through the process (works on both both iOs and Android!). Otherwise, it should be in the store of any up-to-date iOS or Android device.

Working for Amazon Flex London

Working for Amazon Flex London can be extremely lucrative—but do keep in mind that your insurance costs will be considerably higher than the rest of the country due to the additional risk of accident.

What Next?

If you are thinking of working for Amazon (or other delivery/courier businesses) check out our full guide to Courier insurance to learn more about the different coverages that can protect you, your vehicle and your packages while you’re on the move.

Our guides to the likes of Uber, Deliveroo, JustEat, and UberEats may also prove useful if you’re considering using your vehicle for more than just Amazon.

And finally, if you’re ready to become a Flex driver and want to get your insurance sorted, our partners at QuoteZone can help you get started— just fill out a quote form and they’ll help you gather quotes from a number of the UK’s leading delivery driver insurers.