Amazon Flex Insurance
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Why Compare Cheap Amazon Flex Insurance Quotes With SimplyQuote
For most people, delivering packages via the Amazon Flex app is a great way to supplement their income. Yet, when you add in the costs of a commercial insurance policy and your regular vehicle insurance, it can quickly eat into your profits.
At SimplyQuote, we want to help you keep as much of your hard-earned cash as possible. So, use the free comparison tool to compare multiple quotes from different Amazon Flex insurers in a matter of minutes, and save yourself some money!
What Do You Need To Get A Quote?
To get your Amazon Flex insurance quote, you just need to give us the following details:
- Your vehicle details including the registration number and model
- Driver’s details such as name, address, and contact details
- Delivery schedule and working hours
- The locations you deliver to
- Your claims history
Why Do You Need Amazon Flex Insurance?
All Amazon Flex drivers in the UK need a commercial insurance policy that includes Hire & Reward insurance (H&R). This is essential as you’ll be delivering third-party goods to various locations across the country.
In the UK, anyone transporting goods in exchange for payment needs Hire and Reward insurance. For Amazon Flex drivers, this is vital as they’re delivering Amazon packages to customers.
Fortunately, Amazon Flex provides its drivers with a commercial insurance policy at no additional cost. This policy is designed to cover the specific needs of delivery driving, ensuring that drivers are protected while on the job.
However, not all Amazon Flex insurance policies include H&R insurance, and if yours doesn’t, you’ll need to take out this policy yourself.
Alongside H&R, UK drivers must also have their standard personal car insurance, known as Social, Domestic & Pleasure Insurance. For those delivering food, food delivery insurance is essential to cover the unique risks involved in transporting perishable items. This ensures the vehicle is covered for everyday non-commercial use.
As an Amazon Flex driver, you should also consider taking out courier insurance. This is a type of insurance in the UK tailored for delivery drivers. It often encompasses Hire & Reward insurance but can offer additional protections specific to the risks couriers face on British roads.
What Does Amazon Flex Insurance Cover?
As mentioned, Amazon Flex drivers need a commercial insurance policy that includes Hire & Reward insurance, as well as Social, Domestic & Pleasure Insurance.
It’s essential for Amazon Flex drivers in the UK to familiarise themselves with the specifics of the provided insurance policy and understand its limitations. While Amazon Flex offers comprehensive cover, drivers might consider additional insurance options to ensure they are fully protected against all potential risks on the road.
With that in mind, let’s take a look at what is and isn’t covered under an Amazon Flex policy in the UK.
What’s covered
- Damages to third parties: This covers any damages caused to third parties while you’re delivering for Amazon.
- Damages to your vehicle: The policy covers damages to your vehicle that occur while you’re working for Amazon.
What’s not covered
- Social, pleasure, or domestic driving: The insurance provided by Amazon Flex is specifically for delivery purposes. It doesn’t cover any kind of personal, social, or domestic use of the vehicle.
- Incidents involving vehicle lending: The policy does not cover any type of incident where you have lent your vehicle to another person not named on the policy.
What kind of vehicles does Amazon Flex insurance cover?
Amazon Flex vehicle insurance covers your own car when used for deliveries. The types of vehicles include:
- All sizes of cars
- Vans
- Trucks
What Add-Ons Are Available For Amazon Flex Insurance?
The add-ons for Amazon Flex insurance are:
- Courier insurance: Includes additional cover for things like fire and theft when using your personal vehicle to make Amazon Flex deliveries.
- Goods in transit cover: Covers you for damage, theft, or loss of the goods you’re transporting while making Amazon Flex deliveries.
How Much Does Amazon Flex Insurance Cost?
Amazon Flex provides its drivers with a commercial insurance policy at no additional cost.
For drivers seeking additional Hire & Reward insurance tailored for Amazon Flex in the UK, the cost can vary.
- Amazon Flex’s Policy: Amazon Flex offers its commercial insurance policy to drivers for free, covering the specific needs of delivery drivers while working for Amazon Flex.
- Hire & Reward Insurance: Some insurance providers, like Inshur, offer Amazon Flex Hire & Reward insurance for UK drivers with rates starting from just 22p per hour. Additionally, according to discussions on platforms like Reddit, the “pay as you flex” insurance can average around 50p an hour, which equates to approximately £624 a year if used for the maximum allowable hours.
What impacts Amazon Flex insurance prices?
As mentioned, Amazon Flex insurance is free of charge. However, you may have to pay to add extra insurance policies like H&R insurance.
How Can You Get Cheaper Insurance Rates?
Use comparison sites
Utilise online comparison sites like SimplyQuote to compare multiple insurance quotes. This allows you to find the most competitive rates and choose a policy that offers the best value for your needs.
Increase your excess
By voluntarily increasing the excess (the amount you pay in the event of a claim), you can often reduce your premium. However, ensure that the excess is an amount you can afford to pay if needed.
Build a no-claims bonus
Maintaining a clean driving record and accumulating a no-claims bonus over time can significantly reduce your insurance costs. Insurers often offer discounts to drivers who haven’t made any claims over a certain period.
Secure your vehicle
Enhancing the security of your vehicle, such as installing an approved alarm or immobiliser, can lead to discounts on your insurance premium.
Limit your mileage
If possible, try to limit the number of miles you drive. Some insurers offer lower rates for drivers who cover fewer miles, as this reduces the risk of accidents.
Opt for pay-as-you-go policies
Some insurers offer policies where you only pay for the hours you drive, which can be cost-effective if you’re not delivering full-time.
Regularly review your policy
Insurance needs can change over time. Regularly reviewing your policy and shopping around before renewals can ensure you’re always getting the best deal.
Seek professional advice
Consulting with an insurance broker or professional can provide tailored advice and potentially introduce you to specialist insurers who offer competitive rates for Amazon Flex drivers.
By implementing these strategies and staying informed about the insurance market, Amazon Flex drivers can optimise their cover while minimising costs.
How To Compare Amazon Flex Insurance Quotes With SimplyQuote?
Compare Amazon Flex insurance services with SimplyQuote in four easy steps:
- Fill in the short form: Tell us about yourself, your vehicle, and your location.
- Choose policy add-ons: Choose which additional cover add-ons you want.
- Compare quotes: Find a quote to suit your budget and Amazon Flex insurance needs.
- Save money: Get the best deal to start saving today.
Frequently Asked Questions
An Amazon Flex insurance policy is a type of comprehensive cover provided by Amazon to drivers using the Amazon Flex app. It’s free of charge and is designed to cover drivers while they make deliveries for Amazon Flex.
However, not all Amazon Flex policies are the same and some might not include H&R insurance. In these cases, delivery drivers must take out a H&R policy themselves.
Yes, some insurance providers, such as Inshur and Zego, offer tailored insurance policies for Amazon Flex drivers in the UK.
Some insurance providers offer a “pay as you flex” model, where drivers only pay for the hours they drive, making it cost-effective for those not delivering full-time and working to their own schedule.
No, Amazon Flex insurance is not the same as commercial vehicle insurance, although it is a part of commercial insurance. Commercial insurance, in the form of hire and reward insurance, is required by law if you do deliveries. Amazon Flex insurance is a type of hire and reward insurance specifically designed for Amazon Flex delivery drivers.