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Evri couriers in a carCompare Evri car delivery insurance for your parcel round
Many Evri couriers deliver from a car on a local round. Courier Insure helps you find specialist brokers who can arrange car cover for that work, with no link to or endorsement from Evri.
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Evri car delivery insurance is car cover that includes courier or hire and reward use, so you are insured while delivering Evri parcels in your own car. At the time of writing, Evri says couriers need the correct level of third party cover while making deliveries and offers an optional top-up insurance product for the days they work. Terms can change, so it is worth checking your current Evri contract and the courier app before relying on any arrangement.
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At a glance
- At the time of writing, Evri asks couriers to hold suitable third party cover while delivering.
- Evri has offered an optional daily top-up product, so it is worth checking current terms and what it covers.
- Your own car policy usually needs courier or hire and reward use to cover your car on a round.
- Top-up third party cover may not protect your own car, so the level of cover matters.
- Local rounds mean many short stops, so unattended-vehicle conditions are worth reading.
- Parcels themselves are usually a goods in transit question, separate from motor cover.
What Evri says about insurance at the time of writing
Evri couriers are self-employed and use their own transport, which can be a car or a van they own or have access to. At the time of writing, Evri's courier information says couriers need the correct level of third party cover while out making deliveries, and that the vehicle needs a valid MOT and insurance.
Evri has also described an optional top-up insurance product, charged only on the days a courier works for Evri, designed to provide that third party cover. Details can change and full terms are available from Evri, so it is worth checking the current contract and app rather than relying on older information.
Third party top-up versus fully covering your own car
Third party cover protects other people and their property if you cause an accident. It does not usually pay to repair your own car. If you rely only on a third party product for deliveries, damage to your car during a round may not be covered.
Some drivers prefer a policy that includes courier use at the same level as their personal cover, such as comprehensive. Whether that makes sense depends on the value of your car and how much you rely on it.
Using a top-up product
This can be simple for couriers who work occasional days. It is worth checking exactly what it covers, what your personal policy needs to include and whether there is a gap for your own car.
A courier car policy
A policy with courier use built in covers both personal driving and Evri rounds. It can suit couriers who work most days or also deliver for other companies.
Running an Evri round from a car
Evri rounds are usually local, with parcels collected from a drop point or handed over in bulk and delivered around nearby streets. In a car, that means a full boot, frequent parking and lots of time on doorsteps.
Insurers look at this kind of work closely. Unattended-vehicle conditions, parcels visible on seats and keys left in the car between drops can all affect claims.
Things worth checking for a car round:
- Whether the car needs to be locked at every drop
- How parcels left on seats are treated for theft claims
- Whether cover applies while collecting parcels as well as delivering
- Any limit on the value of parcels in the car at once
Telling your own insurer that you deliver for Evri
Even if delivery cover comes from a top-up product, your personal car insurer may still need to know the car is used for courier work. Some insurers ask about any delivery use at all, and some top-up products have conditions about the personal policy underneath.
A short conversation with your insurer or a broker can clear this up before your first round, and helps avoid a dispute if you ever need to claim on either policy.
Parcels, returns and liability on the doorstep
Motor cover is about the car and other road users. Loss or damage to the parcels you carry, including returns you collect, is normally a goods in transit question. It is worth checking your Evri contract to see how lost or damaged parcels are handled and whether separate cover would help.
Public liability is another separate cover. It can help if you accidentally damage a customer's property or injure someone while delivering on foot. Some couriers add it for peace of mind, depending on how they work.
Questions worth asking before you buy Evri car delivery insurance
These questions help an Evri courier see how motor cover, any top-up and the contract fit together.
- What does the current Evri contract say about insurance?Requirements can change and the contract is the reference point.
- Does the top-up product cover damage to my own car?Third party cover usually protects others, not your vehicle.
- Does my personal insurer need to know I deliver for Evri?Some insurers ask about any delivery use of the car.
- Would a courier car policy cost more or less than daily top-ups?The answer depends on how many days a week you work.
- Are parcels and returns covered if stolen from the car?Goods in transit is normally separate from motor cover.
- Can the same policy cover other delivery companies too?Many couriers work for more than one network.
Evri car delivery insurance questions
Does Evri provide insurance for couriers?
At the time of writing, Evri says it offers an optional top-up insurance product that provides third party cover on the days you work for Evri. It is worth checking the current terms and what the product covers, as it may not protect your own car.
What insurance do I need to deliver for Evri in my car?
Evri asks couriers to have the correct level of third party cover while delivering, according to its courier information at the time of writing. Many couriers also look at courier or hire and reward use on their own car policy so their car is covered too.
Can I use my normal car insurance for Evri deliveries?
Standard car policies usually exclude delivering parcels for payment. Unless your insurer has agreed to courier use, a separate policy or top-up cover is normally needed for Evri rounds.
Is Evri top-up insurance enough on its own?
It is designed to give third party cover while working, which may meet Evri's requirement. It does not usually cover damage to your own car, and it may rely on your personal policy. Whether it is enough depends on how much protection you want for your vehicle.
Do I need goods in transit to deliver for Evri?
It is worth checking your Evri contract for how lost or damaged parcels are handled. Goods in transit is separate cover for items you carry, and a broker can explain whether it is useful for your round.
Can I deliver for Evri using a car I do not own?
Evri's courier information says couriers do not have to own the vehicle but need access to one. Whoever owns the car, the insurance needs to cover you to drive it for courier work.
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