No, business use insurance and hire and reward insurance are not the same. Despite some insurance companies claiming hire and reward is a type of Class 3 business insurance, there are differences. Business car insurance covers you if you use your vehicle to drive to different work locations. Class 3 business insurance includes people who drive long distances for work (but the driving is not part of the job, like travelling salesmen).Hire and reward insurance is specifically for people who use their vehicle to deliver goods or transport passengers, like couriers, taxi drivers, Uber drivers, and food delivery drivers.