I just contacted Admiral after watching this video and they advised that although Amazon cover whilst delivering, I would still be required to take out ‘Hire and Reward’ insurance??!!?!??!
I spoke to them and they told me I just needed basic business to cover me to different places of work. Amazon cover the hire and reward when you have packages.
The recommended flex top up insurance wasn't recognised or compatible with my insurers churchill, asked numerous times and told outright it would void my cover.
Hiya, helpful video mate, the one thing I’m genuinely confused by is if I go with someone like INSHUR for Hire and Reward insurance, this doesn’t allow me to use my car for social and commuting does it? Like still commuting to my day job and such
Has this changed in 2022 because Amazon are saying I need commercial insurance and I’m with Admiral and they quoted me an extra £400 per year for hire and reward insurance?
Yes, Admiral is still the best insurance that allow the top up, but from 1st Nov 2022 you need your own delivery insurance (as amazon is stopping it’s free insurance on Halloween) Here’s my video about it: ruclips.net/video/-Bqu1iEcBdE/видео.html
@@aesleyrogerbarreto2295 you need hire and reward insurance to cover you while you deliver. You can get a quote with INSHuR through the Amazon app, but you have to make sure your normal insurance will accept the top up. Admiral, Direct line, Elephant and RAC and M&S accept top up
I have separate videos for logistics ruclips.net/video/4_zJOWpDfZk/видео.html And Morrisons ruclips.net/video/MUxaXawg1II/видео.html And a few others in the playlist that go into certain things in more detail (like the driver’s aid stickers and the amazon flex app)
With regards to breakdown cover , I drive a London cab and that is a business and they have come out to me loads of times over the years and never had a prob , as I never tell them about a taxi when I renew.
The AA have a strict policy when it comes to the transport/recovery of commercial vehicles. IF you flout those rules and are found to be doing so they can block you future wise from any services they provide AND in some instances can refer to their fraud unit. 👀That can block you from getting other recovery services; services. 👀Their in the field operatives can also refuse their services AND the AA may charge you IF they discover you received services from them OR their service agents et AND you were clearly NOT entitled to those services so provided; they are legally within their rights to recover charges and costs that can run into hundreds of pounds from you. 🙁 It's dumb to believe you can get away with that when in the long term the risks can back fire, with serious and I mean SERIOUS; consequences financially. 🙁 If you are an unlicensed cab driver AND do NOT have the correct insurance to carry passengers et then that also is a serious offence under the law.
I only have one depot near me that’s the only one I get shifts from my normal policy including commuting to a single place of work and if I tell them my second job is Amazon flex will that be ok ?
It all depends on the insurance company. Most don’t accept top-up insurance Admiral, Elephant and M&S do You need your own hire and reward insurance for delivering as amazon don’t supply it for free anymore You can get pay as you go through INSHUR via the amazon app
Yes - still current - Amazon supply the hire and reward insurance through Zurich - Fo an ongoing ‘trial’ period (they will give 60 days notice if they are going to stop doing it) So you just need the relevant insurance to cover to your and from the station(s) I got the basic business insurance that covers me to and from different places of work
@@marvinsflextips i rang all these people above many workers said don't know anything about top up insurance i am doing deliveries this is my 2nd job normal car. can you please explain further. shall i just sdp in my normal insurance ? since amazon cover us when we have the parcels is that correct ?
@@feisalmahmood5232 amazon ONLY cover you while you have their parcels in your car. You need insurance to cover you for any other use, including driving to and from the depot / last stop. This normally isn’t covered by Social domestic and pleasure - may be covered by commuting (but that is normally to 1 place of work - if you do more than 1 depot you really need business) Admiral accept the top up insurance - and their basic business covers the policy holder only to travel to and from different places of work. It wasn’t any more expensive for me than SD&P with C Business: You use your car to drive to places for work - for example, such as switching between sites. It’s not the primary use of the car, but nevertheless, requires a slightly higher level of cover. Business use is divided into two categories: Policyholder only or All drivers - that’s what you need. The next level is Hire & Reward - you don’t need this as the Amazon top up supplies this. www.admiral.com/magazine/guides/motor/do-i-need-to-insure-my-car-for-business-use
@@marvinsflextips its fine we have sorted it darwin insurance. told them milage said we will need it for work different sites it was really small fee which was surprising
Hello, I just got my Uk full driving licence, do I need 1year old driving licence for work in Amazon flex or i can start straightaway? When I’m applying for hire and reward insurance they asking 1 year old license can you help what is the best option for me. Thanks
You can do flex, but you will probably have trouble getting the Hire & Reward insurance you need while delivering. Inshur won’t cover you if you have had your license for less than a year
If you do NOT have the correct insurance for your vehicle you risk having your vehicle seized by the police. When the police add charges for ie storage of the vehicle PLUS you risk points on your licence and a hefty fine?? SO to repeat. ."it is a legal requirement to get couriers hire and reward insurance". 👀
Yes - that’s why you need business insurance first - as this is what the police will find when they search you reg number. Then you can show them the Zurich insurance that covers you for the hire and reward part of deliveries (you can access the Zurich insurance certificate in the help section of the amazon app)
@@marvinsflextips Wrong, you do NOT have to have 'Business' category insurance. You can have your normal use insurance with a TOP UP to cover extra usage in other directions.👀 If you were only planning ie a month doing that extra service then you could pay extra ONLY for the month.👀 If the police et do a roadside check ALL they are interested in is that you have documentation with you that is VALID for what the vehicle is being used for. 😗 A registered cab driver OR a business owner using their vehicle for such activities can get his vehicles insured under 'business insurance' that would cover them or their NAMED employees (provided the insurers agree). Hence RED licence or business plates / trade plates will allow ANY nominated driver to drive the vehicle with those plate provided they are LEGITIMATELY allowed to do so.
Hmmm. I tried getting business insurance and got a massive rejection from all insurers as courier in Manchester is a no no basically. So I have tried getting hire and reward because I’ve been told that’s what’s needed but my quote is £2700 annually, yikes. So are you saying hire and reward and business insurance are different because the specialist courier company insurance firm just said I basically need hire and reward. Please let me know thanks
@@ismailyusuf5328 No, business insurance just covers to going to different locations for work (for instance if you were an it engineer visiting different offices around the country) Hire & reward is the insurance that covers you while you are working in your car - as a courier or taxi driver for instance - there is more risk as you are doing the job while driving Amazon supplied the H&R while you have parcels If you do food delivery you can use something like Zego and pay as you go
@@marvinsflextips okay I see. However, when I try get business insurance quotes on comparison sites as courier as my occupation, I get absolutely 0 quotes. But, I did manage to get a hire and reward quote (although it’s was seriously expensive). If you don’t mind me asking, who did you go with and exactly what did u say you are working as etc etc and what was the ballpark figure. Thanks pal
@@ismailyusuf5328 I’m with admiral, I asked for business insurance, told them that courier is my second job and that Amazon provide the top-up insurance while I have their parcels in my car It wasn’t any more expensive to have business added But I’m old and have 10+ years no claims bonus ;)
In the details it says they will give 60 days notice when the promotion (Free H&R insurance) will end. It’s been running for years, so I don’t think they have any plans on finishing it, but if they do you will get at least 60days notice to find an alternative
Amazon states you need business insurance, but you may get away with it if you only ever for 1 depot. Commuting only really covers you from home to 1 place of work and then back.
@@marvinsflextips thanks for the speedy reply, earned your self a follower 👌 I want to start but don't know where to lol, will have to chat with my personal car insurer see if they can help add it on
Some drivers have been stopped by police - they check you standard insurance using ANPR which will show your insurance for the vehicle, this just lets you show them the Amazon / Zurich insurance cover you have when you have parcels in your car (hire & reward)
You need fully comprehensive anyway, but if you are travelling to more than 1 depot, then social, domestic and pleasure with commuting isn’t enough (as you are travelling to more than 1 place of work) You should really have basic business insurance that lets you travel to different places of work.
So I have sd&p plus business (own) but that does not cover hire and reward so I have the INHUR cover on top. I have quotes for adding hire and reward with admiral and it’s £1000 for the year! If you check the policy with INSHUR it simply says it acts as a hire and reward extension and is comprehensive cover so you do not need to tell your own sdp insurer as you are not claiming against that policy. As long as you have sdp cover then the INSHUR policy covers you.
I can see two options whilst selecting insurances Hire and reward or business insurance Business is a little cheaper Would business insurance work with Amazon ????
Business insurance covers you to and from different places of work, but not for the actual deliveries - Amazon used to cover you with their insurance, but they are scrapping that on 31 October (Halloween) 2022. You will need separate hire and reward insurance from 1st Nov 2022 and they have partnered with INSHUR - you can get a quote through the amazon app. ruclips.net/video/-Bqu1iEcBdE/видео.html
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I’ve given up on flex because of the insurance and my insurers wouldn’t allow the top up. Shame
I think only Admiral allow topup, possible Direct line.
I just contacted Admiral after watching this video and they advised that although Amazon cover whilst delivering, I would still be required to take out ‘Hire and Reward’ insurance??!!?!??!
I spoke to them and they told me I just needed basic business to cover me to different places of work. Amazon cover the hire and reward when you have packages.
The recommended flex top up insurance wasn't recognised or compatible with my insurers churchill, asked numerous times and told outright it would void my cover.
Yes, as far as I know Admiral, Direct Line and M&S insurance accept the top up.
Hiya, helpful video mate, the one thing I’m genuinely confused by is if I go with someone like INSHUR for Hire and Reward insurance, this doesn’t allow me to use my car for social and commuting does it? Like still commuting to my day job and such
@@evasionbonus2969 no - inshur is just a top-up, you need standard insurance to cover your every day driving
Has this changed in 2022 because Amazon are saying I need commercial insurance and I’m with Admiral and they quoted me an extra £400 per year for hire and reward insurance?
Yes, Admiral is still the best insurance that allow the top up, but from 1st Nov 2022 you need your own delivery insurance (as amazon is stopping it’s free insurance on Halloween)
Here’s my video about it:
ruclips.net/video/-Bqu1iEcBdE/видео.html
Im with HastingsDirect, They dont allow me to add amazon hire and reward is my only option to get a different insurance policy ?
Yes
Very useful Marvin, many thanks!
Glad you found it helpful
Hi
Could you please help me to know which insurance i have to purchase to fo amazon flex in uk
@@aesleyrogerbarreto2295 you need hire and reward insurance to cover you while you deliver. You can get a quote with INSHuR through the Amazon app, but you have to make sure your normal insurance will accept the top up.
Admiral, Direct line, Elephant and RAC and M&S accept top up
Would you be able to do a start to finish video on a logistics or Morrisons round please?
I have separate videos for logistics
ruclips.net/video/4_zJOWpDfZk/видео.html
And Morrisons
ruclips.net/video/MUxaXawg1II/видео.html
And a few others in the playlist that go into certain things in more detail (like the driver’s aid stickers and the amazon flex app)
With regards to breakdown cover , I drive a London cab and that is a business and they have come out to me loads of times over the years and never had a prob , as I never tell them about a taxi when I renew.
Who do you have your breakdown with?
@@marvinsflextips AA
The AA have a strict policy when it comes to the transport/recovery of commercial vehicles. IF you flout those rules and are found to be doing so they can block you future wise from any services they provide AND in some instances can refer to their fraud unit. 👀That can block you from getting other recovery services; services. 👀Their in the field operatives can also refuse their services AND the AA may charge you IF they discover you received services from them OR their service agents et AND you were clearly NOT entitled to those services so provided; they are legally within their rights to recover charges and costs that can run into hundreds of pounds from you. 🙁 It's dumb to believe you can get away with that when in the long term the risks can back fire, with serious and I mean SERIOUS; consequences financially. 🙁 If you are an unlicensed cab driver AND do NOT have the correct insurance to carry passengers et then that also is a serious offence under the law.
I only have one depot near me that’s the only one I get shifts from my normal policy including commuting to a single place of work and if I tell them my second job is Amazon flex will that be ok ?
It all depends on the insurance company.
Most don’t accept top-up insurance
Admiral, Elephant and M&S do
You need your own hire and reward insurance for delivering as amazon don’t supply it for free anymore
You can get pay as you go through INSHUR via the amazon app
This was really helpful, thanks.
Glad you found it helpful
Is this video still up to date / accurate?
The FAQ on Amazons website says business class 3 insurance is required.
Yes - still current - Amazon supply the hire and reward insurance through Zurich - Fo an ongoing ‘trial’ period (they will give 60 days notice if they are going to stop doing it)
So you just need the relevant insurance to cover to your and from the station(s)
I got the basic business insurance that covers me to and from different places of work
@@marvinsflextips i rang all these people above many workers said don't know anything about top up insurance i am doing deliveries this is my 2nd job normal car. can you please explain further. shall i just sdp in my normal insurance ? since amazon cover us when we have the parcels is that correct ?
@@feisalmahmood5232 amazon ONLY cover you while you have their parcels in your car.
You need insurance to cover you for any other use, including driving to and from the depot / last stop. This normally isn’t covered by Social domestic and pleasure - may be covered by commuting (but that is normally to 1 place of work - if you do more than 1 depot you really need business)
Admiral accept the top up insurance - and their basic business covers the policy holder only to travel to and from different places of work. It wasn’t any more expensive for me than SD&P with C
Business: You use your car to drive to places for work - for example, such as switching between sites. It’s not the primary use of the car, but nevertheless, requires a slightly higher level of cover. Business use is divided into two categories:
Policyholder only or All drivers - that’s what you need.
The next level is Hire & Reward - you don’t need this as the Amazon top up supplies this.
www.admiral.com/magazine/guides/motor/do-i-need-to-insure-my-car-for-business-use
@@marvinsflextips its fine we have sorted it darwin insurance. told them milage said we will need it for work different sites it was really small fee which was surprising
thanks for your help
Hello, I just got my Uk full driving licence, do I need 1year old driving licence for work in Amazon flex or i can start straightaway? When I’m applying for hire and reward insurance they asking 1 year old license can you help what is the best option for me. Thanks
You can do flex, but you will probably have trouble getting the Hire & Reward insurance you need while delivering. Inshur won’t cover you if you have had your license for less than a year
Hey if i do personal business insurance
That is enough for amazon flex ?
Doing great dude
Thanks buddy!
Struggling to find the relevant insurance for my car when delivering any ideas??
Try admiral - basic business insurance wasn’t any more than social domestic and pleasure plus commuting
And they accept the Amazon top-up for when you have amazon parcels in your car
If you do NOT have the correct insurance for your vehicle you risk having your vehicle seized by the police. When the police add charges for ie storage of the vehicle PLUS you risk points on your licence and a hefty fine?? SO to repeat. ."it is a legal requirement to get couriers hire and reward insurance". 👀
Yes - that’s why you need business insurance first - as this is what the police will find when they search you reg number. Then you can show them the Zurich insurance that covers you for the hire and reward part of deliveries (you can access the Zurich insurance certificate in the help section of the amazon app)
@@marvinsflextips Wrong, you do NOT have to have 'Business' category insurance. You can have your normal use insurance with a TOP UP to cover extra usage in other directions.👀 If you were only planning ie a month doing that extra service then you could pay extra ONLY for the month.👀 If the police et do a roadside check ALL they are interested in is that you have documentation with you that is VALID for what the vehicle is being used for. 😗 A registered cab driver OR a business owner using their vehicle for such activities can get his vehicles insured under 'business insurance' that would cover them or their NAMED employees (provided the insurers agree). Hence RED licence or business plates / trade plates will allow ANY nominated driver to drive the vehicle with those plate provided they are LEGITIMATELY allowed to do so.
@@arthurdanielles4784 ok, but you won’t be covered from the last stop home
You don’t need hire and reward insurance- but business is different
@@arthurdanielles4784 business class 1 covers you to and from different places of work (depots and last stops) where commuting does not
Hmmm. I tried getting business insurance and got a massive rejection from all insurers as courier in Manchester is a no no basically.
So I have tried getting hire and reward because I’ve been told that’s what’s needed but my quote is £2700 annually, yikes.
So are you saying hire and reward and business insurance are different because the specialist courier company insurance firm just said I basically need hire and reward.
Please let me know thanks
Have you tried Direct Line or Admiral - they do business insurance that allows the Amazon top-up (so you don’t need extra hire and reward)
@@marvinsflextips isn’t business insurance as a courier basically the same thing as hire and reward?
@@ismailyusuf5328 No, business insurance just covers to going to different locations for work (for instance if you were an it engineer visiting different offices around the country)
Hire & reward is the insurance that covers you while you are working in your car - as a courier or taxi driver for instance - there is more risk as you are doing the job while driving
Amazon supplied the H&R while you have parcels
If you do food delivery you can use something like Zego and pay as you go
@@marvinsflextips okay I see. However, when I try get business insurance quotes on comparison sites as courier as my occupation, I get absolutely 0 quotes. But, I did manage to get a hire and reward quote (although it’s was seriously expensive).
If you don’t mind me asking, who did you go with and exactly what did u say you are working as etc etc and what was the ballpark figure. Thanks pal
@@ismailyusuf5328 I’m with admiral, I asked for business insurance, told them that courier is my second job and that Amazon provide the top-up insurance while I have their parcels in my car
It wasn’t any more expensive to have business added
But I’m old and have 10+ years no claims bonus ;)
Hi Marvin
Once amazon’s top up insurance is finished, we would have to buy another top up insurance?
In the details it says they will give 60 days notice when the promotion (Free H&R insurance) will end.
It’s been running for years, so I don’t think they have any plans on finishing it, but if they do you will get at least 60days notice to find an alternative
So will fully comp insurance with commuting be okay for me and then amazon top up the insurance?
Amazon states you need business insurance, but you may get away with it if you only ever for 1 depot.
Commuting only really covers you from home to 1 place of work and then back.
@@marvinsflextips thanks for the speedy reply, earned your self a follower 👌 I want to start but don't know where to lol, will have to chat with my personal car insurer see if they can help add it on
When are they going to ask to see my proof of insurance?
Some drivers have been stopped by police - they check you standard insurance using ANPR which will show your insurance for the vehicle, this just lets you show them the Amazon / Zurich insurance cover you have when you have parcels in your car (hire & reward)
Can i dont buy business insurance for work amazon flex?
Can i just use normal private car insurance ? And third party only
You need fully comprehensive anyway, but if you are travelling to more than 1 depot, then social, domestic and pleasure with commuting isn’t enough (as you are travelling to more than 1 place of work)
You should really have basic business insurance that lets you travel to different places of work.
Be careful you'll still need to tell your own insurance company your second occupation is delivery driver and this will double your premiums.
Yes I told admiral and have deliver driver as second job. It wasn’t any more expensive though.
@@marvinsflextips You are lucky then as I was quoted a 60% increase yesterday.
And that was under the condition that Amazon’s insurance was fully compressive.
That’s strange, when I told my insurance, the premium reduced by a lot
So I have sd&p plus business (own) but that does not cover hire and reward so I have the INHUR cover on top. I have quotes for adding hire and reward with admiral and it’s £1000 for the year! If you check the policy with INSHUR it simply says it acts as a hire and reward extension and is comprehensive cover so you do not need to tell your own sdp insurer as you are not claiming against that policy. As long as you have sdp cover then the INSHUR policy covers you.
If i travel to 1 depot only do i still need business insurance?
If you only ever do 1 depot then I think commuting will cover you
So for how long is amazon free insurance is it for all the time or just month or 2months ?
It keeps going - they will give us 60days notice if they ever decide to withdraw it
What type of insurance do you use at the admiral? Thanks
I have the basic business insurance that lets you drive to different locations (for pre booked appointments)
I can see two options whilst selecting insurances
Hire and reward
or
business insurance
Business is a little cheaper
Would business insurance work with Amazon ????
Business insurance covers you to and from different places of work, but not for the actual deliveries - Amazon used to cover you with their insurance, but they are scrapping that on 31 October (Halloween) 2022.
You will need separate hire and reward insurance from 1st Nov 2022 and they have partnered with INSHUR - you can get a quote through the amazon app.
ruclips.net/video/-Bqu1iEcBdE/видео.html
You need business insurance for sure
I’m a insurance broker so it’s definitely business insurance you require even if your delivering pizzas
Great video.
Glad you liked it :)
Any cheap insurance for food delivery plz
Most people I know use Zego - pay as you go
I provide the amazon flex hire and reward insurance and uber eats just eat and deliveroo all for 250 pounds
You don’t need hire and reward insurance if you are just doing flex, Amazon provide it for free
this was helpful thank you
Glad it was helpful