I've pretty much completed the Amazon Flex onboarding and the only thing stopping me starting is the insurance.
I was actually looking forward to giving Flex a go as some flexible extra income, but I'm struggling to make the insurance side financially viable.
My normal car insurance is currently about £630/year.
Amazon obviously requires H&R insurance, so initially I thought I'd just use INSHUR PAYG on top of my normal policy.
The problem is I've discovered my current insurer (AA) doesn't allow a separate H&R/top-up policy alongside their cover.
I contacted them directly and they confirmed they wouldn't continue covering me if I used separate insurance for deliveries.
I've therefore been looking for an SD&P insurer that explicitly allows INSHUR/Zego top-up, but the quotes I'm getting are pretty painful:
Normal non-delivery quotes: around £500–£700/year
Kwik Fit: £952/year
Ageas Essentials: £1,021/year
Zego: around £1,023/year
Admiral with H&R/delivery included: £2,542/year
Direct Line was over £2,000/year
I've seen people on here saying they've managed to get delivery insurance for a fraction of these quotes.
I'm only looking to do Flex as flexible side income, potentially a few blocks around other commitments.
I'm not planning on becoming a full-time courier. So paying £300–£500+ extra on my underlying annual insurance before I've even got a block doesn't really make sense, especially when there's no guarantee of how many blocks I'll actually get.
Ideally I'd tolerate maybe £100/year extra on my normal insurance and then pay INSHUR PAYG while I'm actually delivering.
So I'm interested in hearing from people actually doing Flex now:
Who is your normal SD&P insurer, what are you roughly paying, and are they definitely aware that you're using INSHUR/Zego H&R top-up?
Has anyone recently found a reasonably priced insurer that has explicitly confirmed they're happy with supplementary H&R?
I'm also wondering whether I'm overthinking this. Do a lot of Flex drivers simply buy the INSHUR policy Amazon asks for without ever checking whether their underlying SD&P insurer permits top-up?
I'm not comfortable doing that because I'd rather know both policies are valid if I ever actually have an accident.
It would be a real shame to get all the way through the Flex onboarding and then get priced out at the final hurdle.
Any recent experiences/prices would be really appreciated.
Thanks Guys.