Amazon Flex Insurance
Amazon Flex drivers use their own vehicle, which means the insurance question lands on you rather than on Amazon. There is cover attached to the platform, but it is narrower than most drivers assume, and the gaps sit exactly where a delivery driver is most exposed. This page sets out what is covered, what is not, and what to do about it.
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What Amazon Flex drivers insurance covers
Your Own Vehicle Policy Comes First
Flex is done in your car or van, on your policy. If that policy is a private one, delivering for payment falls within the carriage-for-reward exclusion, and no amount of platform cover changes what your own insurer will say. Getting the use declared is step one regardless of what Amazon provides.
Platform Cover Is Conditional and Time-Bound
Cover attached to a delivery platform typically applies only while you are logged in and on an active block, and often only to third-party liability rather than your own vehicle. Read what applies before the block, between deliveries and on the drive home, because those periods are commonly outside it.
Damage to Your Own Vehicle
Third-party liability protects other people. It does not repair your car. If your vehicle is your earning asset, own-damage cover is what gets you back on blocks, and that has to come from your own commercially rated motor policy.
The Parcels in Your Boot
You are carrying goods that belong to someone else, sometimes a full block's worth. Where responsibility for lost or damaged parcels sits is a contractual question worth reading closely, and goods in transit cover is the section that responds if it falls to you.
Injury and Lost Blocks
Flex income stops the moment you cannot drive, and there is no sick leave behind it. Personal accident or income protection is what covers the weeks off, and it is independent of anything the platform provides.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.
Reviews are for Stonewell Insurance, the business behind Courier Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
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Courier Cover is a trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).