Pay-as-you-go vs annual courier insurance — which is better?
Pay-as-you-go suits part-time or occasional couriers who pay only for the hours they work. Annual courier insurance usually works out better value for full-time drivers delivering regularly.
Matching cover to how you work
The right choice depends on how many hours you spend delivering. Pay-as-you-go hire and reward lets you switch cover on by the hour or day, so you pay nothing when you are not working.
- Part-time, weekend or seasonal couriers often save with pay-as-you-go.
- Full-time drivers usually find annual cover cheaper per hour worked.
- Annual policies can offer wider extras such as breakdown and no-claims discounts.
If your hours vary week to week, flexible cover avoids paying for idle days. If you deliver most days, an annual policy gives continuous protection and often builds a no-claims record. Compare both pay-as-you-go and annual courier insurance quotes to see which fits your delivery pattern.
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Does pay-as-you-go cover build a no-claims bonus?
Not usually in the same way as annual cover. If building a no-claims discount matters to you, an annual policy is often the better route.
Can I switch from pay-as-you-go to annual later?
Yes. Many couriers start flexible and move to annual cover once their hours become regular enough to justify it.
Is pay-as-you-go cover valid the moment I switch it on?
Cover typically starts when you activate it for a session, but always check the activation time and any minimum period in the policy.