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Evri courier van coverEvri courier van insurance for self-employed rounds
Running an Evri round from your own van means carrying parcels for payment on your own account, so the van usually needs hire and reward cover. Compare options through specialist courier insurance brokers.
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Evri courier van insurance is van cover that includes hire and reward use, so your van is insured while you deliver and collect Evri parcels on your round. At the time of writing, Evri engages couriers on a self-employed basis and expects them to hold suitable cover while delivering. Evri has also offered an optional daily top-up policy, but its terms and limits are worth checking in your current contract. A full annual courier van policy is the other route many round drivers consider.
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At a glance
- Evri couriers are self-employed at the time of writing, so arranging suitable insurance falls to the courier.
- Delivering Evri parcels for payment is usually classed by insurers as hire and reward.
- Evri has offered an optional daily top-up policy; check what it covers and whether it suits a van.
- A substitute driver on your round needs to be covered by the policy too.
- Collections, returns and rounds that run into the evening can affect goods in transit conditions.
- Courier Insure introduces you to specialist brokers through MyMoneyComparison.com and does not sell cover itself.
Running an Evri round makes you the one who arranges the cover
Based on Evri's own published courier information at the time of writing, couriers are self-employed, choose how many days they work, handle their own tax and can use a substitute. That independence also means the insurance is your responsibility rather than Evri's.
Evri states that couriers need the correct level of third-party cover while making deliveries, and that the vehicle needs a valid MOT and insurance. Evri does not require couriers to own their vehicle, but a hired or borrowed van still needs cover for courier work. Check your current contract and onboarding documents for the exact requirements.
The Evri top-up policy versus your own annual van cover
At the time of writing, Evri has offered couriers an optional top-up policy charged only on the days they provide services. It is a convenient starting point for some, but it is worth understanding what it does and does not include before relying on it for a van round.
What to check on a top-up
Whether it covers vans as well as cars, what level of cover it gives, whether it covers your personal driving, and what happens on days you are not delivering. Some top-ups provide third-party cover for delivery work only.
Why some drivers choose an annual policy
An annual courier van policy can cover personal use, hire and reward and other delivery work in one place, and may offer comprehensive cover for the van itself, subject to the insurer's acceptance criteria.
Avoiding gaps
If you combine a top-up with a personal policy, it is worth telling your personal insurer about the delivery work and confirming there is no gap between the two.
Rounds, substitutes and the drivers on the policy
Evri rounds are usually local and repeated, with many stops in a familiar area. Insurers look at where the van is kept, how many miles you cover and who drives it.
If you use a substitute to cover holidays or busy periods, they need to be insured to drive your van for hire and reward. Named driver policies list each person; any driver policies cover a wider group but often come with minimum age and licence-held conditions.
Points worth having ready for the broker:
- Round area and where the van is parked overnight
- Roughly how many days a week you deliver
- Annual mileage, including personal driving
- Who else might drive the van, including substitutes
- Whether you also deliver for other firms
Collections, returns and goods in transit on an Evri round
A van policy covers the van and your liability on the road. Parcels are a separate matter. Goods in transit covers loss of or damage to the goods you carry, usually up to a limit per load or per vehicle.
Rounds often involve collections from ParcelShops or customers and returns in the van overnight. Many goods in transit policies have conditions about unattended vehicles, locks, alarms and overnight parking, and some exclude high-value items. It is worth checking what your Evri contract says about responsibility for lost parcels, and asking the broker whether goods in transit is relevant.
Add-ons that matter more when your round depends on one van
If the van is off the road, so is your income from the round. Some drivers look at extras that keep them moving, depending on the insurer.
- Courtesy or replacement van while repairs are carried out
- Breakdown cover, including roadside and recovery
- Legal expenses for recovering uninsured losses
- Windscreen cover
- Protected no claims bonus
Questions worth asking before you buy Evri courier van insurance
Use these to compare quotes for a self-employed Evri round.
- Is hire and reward or courier use named on the policy?Without it, paid parcel delivery is usually excluded.
- Does the cover apply every day or only on delivery days?Day-based products may leave personal driving to a separate policy.
- Can my substitute drive the van?An uninsured substitute could leave you both exposed.
- Is the van covered comprehensively or third party only?Third party cover does not pay for damage to your own van.
- What does goods in transit cover on collections and returns?Unattended and overnight conditions vary by insurer.
- Does the policy allow work for other delivery firms?Some policies are tied to one firm or one type of delivery.
- Is a replacement van available after a claim?It may keep the round running while your van is repaired.
Evri courier van insurance questions
Does Evri provide insurance for its couriers?
At the time of writing, Evri has offered an optional top-up policy that couriers can choose, charged on the days they deliver. Evri couriers are self-employed and need suitable third-party cover while delivering. Check the current terms in your contract to see what the top-up includes and whether it suits a van.
Can I use a hired van for my Evri round?
Evri states that couriers do not have to own their vehicle. The van still needs insurance that covers courier work, and a hire company's standard cover may not include hire and reward. It is a question for the hire company and the broker.
Is the Evri top-up enough on its own?
It depends on what the top-up covers and how you use the van outside delivery days. Some day-based products cover delivery work only, so personal driving needs a separate policy. It is worth comparing it with an annual courier van policy.
Does my substitute need their own insurance for my Evri round?
Your substitute needs to be insured to drive the van for hire and reward. That might mean adding them as a named driver or choosing an any driver policy, depending on the insurer's age and licence conditions.
Who pays if Evri parcels are stolen from my van?
That depends on your Evri contract and any goods in transit cover you hold. Many goods in transit policies only pay out if the van was locked and conditions about unattended or overnight parking were met. Check the contract and ask the broker.
Can I deliver for Evri and another courier firm on one van policy?
Many annual courier van policies allow hire and reward work for more than one firm, subject to the insurer's acceptance criteria. Tell the broker about all the delivery work you do so the policy reflects it.
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