Food Delivery Insurance
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What Do You Need To Get A Quote?
Food delivery drivers need to provide the following to get fast food delivery insurance:
- Personal details (name, UK address, driver’s licence)
- Vehicle registration number
- Vehicle size (i.e. how many seats/doors)
- Mode of transport (e.g. car, scooter, motorcycle) make and model
- No-claims bonus history
- Hours worked
Why Do You Need Food Delivery Insurance Cover?
Anyone delivering food by car, motorcycle or scooter, or working for major platforms like Deliveroo, Uber Eats and Just Eat requires food delivery insurance cover.
This insurance is vital for those transporting food items from restaurants or outlets to customers’ doorsteps for payment.
Additionally, vehicle insurance is a legal requirement to drive on UK roads.
Food delivery insurance also goes by the name of:
- Fast food delivery insurance
- Hire and reward insurance
- Uber Eats insurance
- Deliveroo insurance
- Just Eats insurance
- Pay-as-you-go food delivery insurance
- Takeaway delivery insurance
- Food courier insurance
Note: Regular car insurance, known as Social, Domestic, and Pleasure (SD&P) insurance, won’t cover you when you’re getting paid to deliver food.
Who can get fast food delivery insurance?
Anyone making food deliveries – whether you’re a fast food delivery driver for Uber Eats or work independently – can get food delivery insurance if you meet the following criteria:
- Be at least 23 years old
- Hold a valid UK driving licence
- Operate within the UK
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What Does Food Delivery Insurance Cover?
Standard food delivery insurance policies cover:
- Public liability cover – protects you against any third-party claims should you injure third-party persons, their vehicle(s) or property whilst out on delivery.
- Employers liability cover – covers the costs should one of your employees become injured whilst on duty. This applies if you employ more than one employee.
- Goods in transit liability – protects the stock (i.e. food) you are transporting when on the job. It will compensate goods in transit if damaged, stolen or lost whilst on deliveries.
- Accidents – delivery drivers are protected against any damage to their vehicles or injuries sustained while on delivery, given the nature that drivers have to navigate busy roads.
What’s not covered?
- If you use your delivery vehicle for any other reason than delivering food (i.e. used for private taxi services)
- Accidental damage caused when driving under the influence of alcohol or drugs
- An uninsured driver drives your delivery vehicle
- Your driving licence has been suspended/banned/expired
- Costs incurred due to negligence, such as leaving your keys in the ignition and your food delivery vehicle being stolen
What modes of transport does food delivery insurance cover?
Any mode of transport used to deliver food can be insured by food delivery insurance:
- Cars
- Mopeds
- Motorcycles
- Scooters
- Vans
What Types Of Food Delivery Insurance Are Available In The UK?
There are several types of delivery insurance for food delivery drivers in the UK:
Hire and reward (courier insurance)
Hire and reward courier insurance is specifically designed for delivery drivers doing food or parcel delivery. It’s also referred to as class 3 business insurance and will only cover you when doing deliveries. Should you use your vehicle for personal use, you will need separate SD&P insurance cover.
This type of food delivery cover is designed for delivery drivers using their vehicle(s) for business purposes in return for payment, hence the name.
Pay-as-you-go (PAYG) insurance
PAYG insurance offers flexibility as you only pay when doing deliveries. This type of food delivery cover is ideal for part-time delivery drivers (those working a maximum of 20 hours a week).
It’s typically charged on an hourly basis and top-ups are available via your insurance provider app.
30-day monthly policy plans
30-day food insurance is a short-term cover that’s adjusted to fit your working schedule. This is charged in monthly instalments.
It’s the perfect type of cover for seasonal delivery drivers such as those only working during busy holiday times.
Annual policy plans
As the name suggests, this type of delivery plan favours full-time fast-food delivery drivers who transport food for a living. Depending on the insurer, it generally has Social, Domestic & Pleasure (SD&P) insurance included in the plan.
With a fully comprehensive annual insurance policy, you’ll typically have SD&P courtesy car cover included as well.
What Levels Of Food Delivery Insurance Do You Get?
There are three main levels of car delivery insurance for food delivery drivers:
Third-party only (TPO)
TPO is the most basic level of vehicle insurance you can get for food delivery drivers. It is also a legal requirement.
TPO cover protects you against third-party claims should you injure or damage third-party persons or property when doing deliveries.
It is the cheapest level of fast food delivery insurance available but won’t compensate you for any costs incurred to yourself/the delivery driver or your delivery vehicle(s).
Third-party fire and theft (TPFT)
TPFT is one up from TPO and offers a happy medium for delivery drivers.
In addition to TPO, it also covers costs should your vehicle be damaged by fire or stolen.
It does not cover any repair costs if your vehicle is in a collision.
Fully comprehensive
Fully comprehensive insurance includes TPO and TPFT cover with the addition of:
- Windscreen cover
- Public and legal liability
- Loss/damage to your vehicle
- Accidental damage
- Audio, communication and navigation devices (GPS) cover
- Malicious damage (e.g. vandalism)
- Social, domestic & pleasure (SD&P)
Note: Pay-as-you-go insurance plans only offer TPO or fully comprehensive options.
It’s the perfect type of cover for seasonal delivery drivers such as those only working during busy holiday times.
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What Add-Ons Are Available For Food Delivery Insurance?
Additional add-ons for vehicle insurance for food delivery drivers include:
- Windscreen cover (added to TPO/TPFT)
- EU cover – if you transport food across the UK border
- No claims discount
How Much Does Food Delivery Insurance Cost?
Food delivery drivers can expect to pay:
- Pay-as-you-go insurance = £0.80 per hour
- Monthly insurance policy = between £110 and £130
- Annual insurance policy = roughly £1,100
However, pricing varies based on certain factors.
What impacts food delivery drivers’ insurance prices?
- Delivery driver age
- Driving history
- How long you’ve had your driving license
- License points
- No-claims bonus record
- Driving distances (i.e. mileage)
- The age, make and model of your delivery vehicle
- Your UK location
- Offduty parking
How To Choose The Right Food Delivery Insurance Policy?
Choosing the right food delivery insurance policy involves understanding your specific needs, comparing various policy options, and ensuring it covers all potential risks associated with delivering food.
- Specific needs – are you delivering part-time or full-time? Do you use a car, motorcycle, or scooter? Your choice should align with your delivery frequency, vehicle type, and the platforms you work for.
- Consider pay-as-you-go options this flexible option allows drivers to pay for insurance only when they’re working, potentially saving money compared to traditional annual policies.
- Seek expert advice consider consulting with an insurance expert or broker. They can provide tailored advice based on your circumstances and help you navigate the complexities of food delivery insurance.
How Can Food Delivery Drivers Get Cheaper Insurance Rates?
Food delivery drivers can get cheaper insurance premiums by:
- Comparing food delivery insurance quotes from multiple insurance provides
- Deliver goods and food responsibility
- Keep up to date with your delivery vehicle services
- Secure your vehicle when not in use
- Opt for annual premiums rather than monthly instalments (to avoid added interest)
- Opt for “black box” telematics technology to record your driving history
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How To Compare Food Delivery Insurance Quotes With EasyQuote
Compare fast food delivery insurance quotes with EasyQuote in four easy steps:
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Frequently Asked Questions
Food delivery insurance – also known as hire and reward insurance – is a specialised insurance policy designed to protect food delivery drivers and their vehicles while making deliveries.
Whether you’re working with major platforms like Deliveroo, Uber Eats, and Just Eat or operating independently, this insurance is essential for ensuring safety and compliance in the food delivery sector.
To deliver food, you require specialised food delivery insurance. This goes beyond standard car insurance, covering you for commercial activities like transporting food for payment. It often includes “Hire and Reward” cover, ensuring you’re protected while delivering food in exchange for a fee.
No, you cannot legally deliver food without the appropriate delivery insurance in the UK. Standard car insurance doesn’t cover commercial activities like food delivery. Driving without the correct insurance can result in penalties, invalidated insurance, and potential legal issues.
Food delivery insurers typically cover food delivery drivers working for these platforms:
• UberEats
• Deliveroo
• Stuart
• Just Eat
No, fast food delivery insurance is strictly used for delivery drivers delivering food. Private hire insurance is needed if you operate a taxi service, transporting passengers for a fee.