Does LV do delivery insurance?
According to our review of LV= policy documents and contact with LV=, NimbleFins has found out that LV= does NOT cover policyholders for using their cars, vans or motorbikes for food delivery or other paid delivery or courier work. Here's what you'll need to do if you have LV= and want to work as a delivery drive or courier.
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- Note: Inexperienced food delivery drivers with 0 years of no claims may have difficulty getting a quote in the current market.
Does LV= cover delivery or courier driving?
No, LV= does not cover delivery driving on any of their policies; LV also doesn't permit policyholders to buy a supplemental policy (aka top-up Hire & Reward) to cover delivery driving. H&R insurance covers paid delivery driving and is required by law for anyone using their vehicle to earn money for making deliveries.
This means LV= policyholders cannot use their vehicle to make deliveries. Full stop. We originally contacted the LV= press office in 2021 and their position on delivery driving and top-up Hire & Reward (H&R) cover remains the same for our 2025/2026 update.
LV= does not provide food delivery insurance, nor do they permit the use of third-party top-up policies like Zego alongside their standard motor insurance. If you use a top-up policy without their explicit consent, you risk having your entire policy voided and any claims rejected.
"Our car insurance policy excludes cover anyone for working as a delivery driver or courier, or using their car for hire and reward purposes. Likewise this isn’t something an existing customer would be able to expand their policy to include. If a customer chooses to buy a top-up/PAYG/hire and reward insurance policy elsewhere they would still not have cover under their LV= policy.
Every customer is different and before we take on anyone as a new customer, we have to take a number of factors into consideration, including what kind of job they do. This is because different jobs have different insurance requirements and we need to ensure that our policy can cater for those different needs, and is given to the customers that it is most suitable for.
It is worth noting that we automatically cover customers who use their car to do voluntary work, which can sometimes include deliveries, whether that be medication, medical equipment, shopping or other essential items. However we won’t cover customers who are being paid to do this, as it requires a different level of cover that falls outside of the terms of our policy."
There are a few UK car insurers who work with top-up H&R cover for delivery people, but LV= is not one of them. Read our full review of LV= car insurance here:
Can I make deliveries without hire & reward cover?
No, you must not work as a delivery driver or courier until you've purchased appropriate H&R cover. Doing so would be illegal, in all likelihood invalidating your underlying social domestic & pleasure (SD&P) policy. Anyone who has an accident or is caught could suffer from points, fines, seizure of your car, having your licence taken away and possible financial ruin! Best avoided.
If you're interested in learning more about this, read our in-depth guide to delivery driving and food delivery insurance.
What do I do now?
If you currently have an LV= policy and wish to start delivery work, you will need to switch to a provider that supports this activity. In the 2026 market, you generally have three options:
- Mainstream All-in-One Policies: Some major insurers now offer a specific 'Carriage of goods for hire and reward' class of use. For example, Admiral now allows you to add delivery cover directly to your standard Social, Domestic & Pleasure (SD&P) policy.
- Permitted Top-Up Cover: You can find a standard insurer that explicitly permits you to use a 'top-up' H&R policy (like Zego) for your delivery hours while they cover your personal driving.
- Specialist Courier Brokers: You can secure a dedicated commercial policy through a specialist broker that covers both your personal and delivery driving under one contract.
You can read our full Zego review to learn more about the company and the product.
To understand how this works in practice, a driver would hold a regular SD&P car insurance policy with a provider that permits top-up cover—such as Admiral—to cover their personal driving. They would then purchase pay-as-you-go (PAYG) Hire & Reward insurance from a specialist like Zego to cover their specific delivery shifts. Please note that you should no longer use Hastings as an example for this setup, as they have recently updated their terms to explicitly state they do not allow top-up insurance or Zego on their policies.
What to look out for
If you go with the top-up H&R insurance option and SD&P from another company (that is, one which accepts top-up cover—see the list here), be sure to inform your SD&P insurer of your delivery work.
Also, make sure one of the companies covers your commute—this is a formal declaration of use on a certificate of motor insurance, and without it you won't be covered during that portion of your journey.
But while commuting should show up on one of your certificates of motor insurance, it should not show up on both. Why not? If you have an accident on the commute, there would be confusion as to which insurer was liable.
Final thoughts
Getting covered as a courier or delivery driver can be confusing. For more information, please read through our guides:
And when you're ready to get a quote to see how much courier insurance will cost you, click the blue button below:
- Rated 4.7 out of 5 stars on Reviews.co.uk
- Fill out only one form
- Note: Inexperienced food delivery drivers with 0 years of no claims may have difficulty getting a quote in the current market.