Amazon Flex lets you deliver parcels using your own vehicle and get paid per block, but before you can accept your first shift, Amazon requires proof of valid commercial vehicle insurance. This trips up a lot of new drivers, because the insurance most people already have, personal cover, or even business-use car insurance, doesn't meet Amazon's requirement.
Amazon needs to see a policy that explicitly covers you to carry goods for payment (hire and reward), registered to the vehicle and driver doing the deliveries. A standard personal policy, or a business policy that only covers driving to your own job, will not be accepted, and if you're driving without it and something goes wrong, a claim can be refused entirely.
Before your first block, you'll typically need to upload proof of insurance through the Amazon Flex app. Get this sorted before you accept a shift, not after.
A handful of insurers specialise in gig-economy and delivery driver cover, with Inshur being one of the better-known app-based options for Amazon Flex. Its pay-as-you-go model appeals to drivers who work irregular hours, since you're not paying for a full annual policy to cover a few shifts a week. That said, it's worth comparing quotes rather than defaulting to whichever insurer comes up first in a search, cost and excess vary, and so does how quickly you can get proof of cover.
Amazon Flex insurance cost depends on your vehicle, location, driving history, and how you pay, annual vs pay-as-you-go. Pay-as-you-go options can be more cost-effective if you're not driving every day, since you're only paying for the hours you're actually working.
You need commercial vehicle insurance that explicitly covers hire and reward or delivery driving, in your name and registered to your vehicle, before Amazon will let you accept blocks.
No. Personal car insurance and standard business-use car insurance don't cover being paid to deliver goods, which is what Amazon Flex work involves.
It depends on your vehicle, location, and driving history, and whether you choose annual or pay-as-you-go cover. Pay-as-you-go can work out cheaper if you drive irregular hours.
Inshur is a popular app-based option built for gig delivery drivers, but it's worth comparing it against other hire and reward insurers rather than assuming it's automatically the cheapest or best fit.
Yes, several insurers offer pay-as-you-go or hourly cover aimed at gig delivery drivers, which can suit people who don't drive every day.
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