SimplyQuoteInsightsFood Delivery InsuranceHow to get an insurance certificate for fast food delivery work

How to get an insurance certificate for fast food delivery work

Fast food delivery drivers – or food couriers – get their insurance certificate from their insurance provider.

It’s a document that proves you have the correct car insurance policy in place, including hire and reward cover (i.e. you deliver goods in exchange for cash). It ensures the food delivery driver is legally compliant to drive and deliver food within the UK.

The certificate summarises the key details of your car insurance policy and stipulates the type of insurance cover you have, which vehicle you drive, and how long the policy is valid.

Without it, you may receive a £300 fine and six penalty points on your licence.

We’ll cover all the nitty gritty details in this article.

What are the requirements of a food delivery insurance certificate in the UK?

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How do I get food courier insurance?

Why do I need an insurance certificate for fast food deliveries?

What does fast food delivery insurance cover?

Final thoughts

Frequently Asked Questions

What is an insurance certificate in the UK?

An insurance certificate is a legal document that summarises your car insurance policy. It confirms that your vehicle is used for hire and reward, and food delivery purposes. It’s a legal requirement for all food couriers in the United Kingdom to have the correct level of insurance.

Can fast food delivery drivers work without insurance?

No, it’s against the law for food couriers to work without the right insurance. If caught, you are liable for a £300 fine, penalty points and the risk of suspending your licence.

How much does food courier insurance cost?

The price of food courier insurance depends on the type of policy you opt for and other criteria – driver’s age, claims history, working schedule, etc. Here’s an estimation:

  • Pay-as-you-go policy = £0.80 per hour
  • Monthly policy = £50 – £140 per month
  • Annual policy = £850 – £1,100 per year
Do I need an insurance certificate as a Just Eat delivery driver in the UK?

Yes, any fast food delivery service – Just Eat, Uber Eats, Deliveroo – requires a valid insurance certificate in the UK, whether you’re a casual, part- or full-time delivery driver.

How can I reduce my food delivery premiums?

There are several ways to lower your delivery insurance premiums:

  • Compare quotes from multiple insurance providers.
  • Pay annually as opposed to monthly.
  • Opt for telematics technology.
  • Secure the vehicle/s when not in use – alarms, locked garages, etc.
  • Choose the level of cover you need.
  • Reduce your mileage.
  • Avoid vehicle modifications.
  • Maintain a clean driving history.