Food Delivery Insurance

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Compare food delivery insurance quotes from trusted UK insurers, including:

  • broadsure-direct-ltd
  • the-county-group
  • plan-insurance-brokers
  • business-choice-direct
  • brady-insurance
  • one-sure-insurance
  • coversure-insurance
  • one-answer-insurance
  • revolution-insurance
  • todd-insurance
  • academy-insurance-services
  • zego-insurance

Why Compare Food Delivery Insurance With SimplyQuote?

SimplyQuote understands how time-consuming and stressful comparing numerous food delivery insurance quotes from multiple insurance providers can be; especially when you’re trying to run a business.

That’s why the 100% free online comparison tool streamlines the entire process for you.

Speed up your food delivery insurance search with the click of a button and benefit from cost savings on your insurance premium today.

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What Do You Need To Get A Quote?

Why Do You Need Food Delivery Insurance Cover?

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What Does Food Delivery Insurance Cover?

Standard food delivery insurance policies cover:

  1. 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.
  2. 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.
  3. 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.
  4. 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.

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).

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.

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.

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.

Third-party fire and theft (TPFT)

TPFT is one up from TPO and offers a happy medium for delivery drivers.

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.

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What Add-Ons Are Available For Food Delivery Insurance?

How To Choose The Right Food Delivery Insurance Policy?

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How To Compare Food Delivery Insurance Quotes With SimplyQuote

Compare fast food delivery insurance quotes with SimplyQuote in four easy steps:

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Frequently Asked Questions

What is food delivery insurance?

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.

What insurance do I need to deliver food?

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.

Can I deliver food without delivery insurance?

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.

What fast food delivery platforms are covered with food delivery insurance?

Food delivery insurers typically cover food delivery drivers working for these platforms:

• UberEats
• Deliveroo
• Stuart
• Just Eat

Does fast food delivery insurance cover private hire drivers?

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.