Insurance for Transport & Logistics

Why Transport & Logistics Need Specialist Cover

Paid driving work, goods carried for others, and passenger licensing all sit outside standard car and van insurance — here's what shapes the right cover.

• Carrying goods or passengers for payment is "hire and reward" use under the Road Traffic Act 1988 — standard social, domestic and pleasure car or van insurance excludes this entirely, and using it for paid work risks the policy being void
• Goods in transit cover protects the value of what you're carrying — parcels, cargo, a customer's vehicle — while hire and reward insurance covers your own vehicle and liability; they're separate covers addressing separate risks
• Many drivers work across multiple platforms or take on private work in the same week — an undeclared platform or job type is one of the most common reasons a claim connected to that work is refused
• Passenger-carrying trades (taxi, private hire, coach, minibus) each need a specific licensing basis — hackney carriage, PHV, PSV operator's licence, or a Section 19/22 permit — and the wrong insurance product for the licence type you actually hold is a frequent and costly mistake
• Haulage and goods vehicle operators need an Operator's Licence (O-licence) over 3.5 tonnes, and drivers' hours/tachograph compliance can directly affect both your licence standing and how an insurer views your risk
• None of the cover on this page is a substitute for your vehicle's own motor insurance — this page covers the business risk (liability, goods, passengers); your vehicle itself needs cover through our Commercial Motor or Single Van Insurance pages

Frequently Asked Questions

Answers to common questions about Hire & Reward, goods in transit and licensing for UK transport and logistics businesses.