Carriage of own goods vs hire and reward — what is the difference?
Carriage of own goods covers you to carry your own tools, stock and equipment for your business. Hire and reward covers you when you are paid to transport other people's goods, such as courier or delivery work.
How the two classes differ
The key question is whose goods you are moving and whether you are paid to move them.
- Carriage of own goods: a plumber, electrician or builder carrying their own materials and tools to jobs.
- Hire and reward: a courier, takeaway driver or man-with-a-van being paid specifically to deliver someone else's items.
Hire and reward is generally seen as higher risk because of the mileage, frequent stops and the value of third-party goods, so premiums tend to be higher.
Choosing the right one
If you are ever paid to move goods that are not your own, you almost certainly need hire and reward, even part-time or occasionally. Getting this wrong is a common reason claims are rejected. If your role mixes both, declare the full scope to your broker. Comparing quotes for the correct class helps you find competitive cover without underinsuring.
Compare van insurance quotes
Answer a few quick questions and compare cover from specialist UK brokers.
Get my quote →Related questions
Does food delivery need hire and reward?
Yes. Paid takeaway and food delivery work counts as hire and reward, even if you use your own van occasionally.
Is hire and reward always more expensive?
Usually, because of higher mileage and the risk of carrying others' goods, but comparing quotes can reveal meaningful differences between brokers.
Can one policy include both classes?
Many insurers can cover mixed use, but you must declare both activities so the policy reflects how the van is genuinely used.