Top 7 UK food delivery insurance providers

1. Zego

Zego is one of the strongest food delivery insurance options in the UK because it offers hire and reward cover that works across Deliveroo, Uber Eats and Just Eat, with fast app-based onboarding and two clear options: pay as you go (tracked around the hours you work) for irregular shifts, and monthly hire and reward for regular, higher-mileage delivery driving.

Zego works well for delivery drivers because its policies match the unpredictable nature of platform work. Many riders switch between Deliveroo, Uber Eats and Just Eat depending on demand, take last-minute shifts, or fit deliveries around another job, so having flexible cover makes a practical difference.

Drivers tend to choose Zego because:

• Quick activation through the app, so they can get on the road without long setup times
• Pay as you go that is tracked around the hours they work, which suits part-time and irregular delivery patterns
• Monthly hire and reward cover for full-time drivers who want predictable costs and uninterrupted cover
• Broad acceptance across major delivery platforms (Deliveroo, Uber Eats, Just Eat), which reduces friction
• Cover for cars, scooters and mopeds, with pricing that reflects different vehicle risk profiles

For part-time riders, pay as you go usually offers better value because they only pay for delivery cover during the hours they are working. Full-time drivers often lean toward the monthly hire and reward option because it gives consistent protection across the week, even when switching between platforms.

2. Admiral

Admiral is a strong choice for food delivery drivers who want affordable hire and reward cover, clear policy wording and broad acceptance across car, scooter and moped delivery work.

Admiral is one of the UK’s best-known insurers, and its commercial delivery cover appeals to riders who want a mainstream provider rather than a flexible PAYG model. Pricing tends to be competitive for drivers working regular hours, and the documentation is simple to upload to delivery platforms such as Deliveroo, Uber Eats and Just Eat.

Drivers often choose Admiral because:

• Competitive pricing for full-time and part-time delivery
• Straightforward hire and reward documents accepted by major platforms
• Optional extras including breakdown cover and equipment protection
• Strong reputation for claims handling compared with budget providers

Admiral is well suited to drivers who want predictable monthly or annual cover from a household name, especially those who deliver most days rather than only occasionally.

3. Freedom Brokers

Freedom Brokers is a well-established option for food delivery drivers who want specialist hire and reward cover, clear policy wording, and support for scooters, mopeds and smaller delivery vehicles commonly used in urban areas.

Freedom Brokers has long served the courier and delivery sector, which makes it a familiar choice for riders who prioritise stability over app-based convenience. Its policies are designed with day-to-day delivery work in mind, offering a balance of affordability, consistency and clear coverage terms. This makes it appealing to riders who prefer dealing with an insurer that understands courier-style risks rather than adapting a general motor policy.

Drivers often look to Freedom Brokers for:

• Solid underwriting tailored to couriers and food delivery work
• Policies that suit mopeds and scooters, not just cars
• Straightforward documentation that helps drivers stay compliant with platform requirements
• A customer service approach that tends to resonate with riders who value human support over fully digital journeys

The insurer works particularly well for those who deliver mainly in dense city areas, where mopeds and scooters are preferred for speed and parking convenience. Freedom Brokers may not offer the instant sign-up of app-led providers, but many drivers see that as a worthwhile trade-off for stable rates and an insurer with long-standing courier expertise.

4. Kingsbridge

Kingsbridge is a strong option for professional delivery workers who want comprehensive courier insurance, optional liability add-ons, and support from an insurer known for working with contractors and self-employed drivers.

Kingsbridge approaches delivery insurance differently from app-first providers. Its strength lies in treating delivery work as a professional service rather than a casual add-on, which appeals to drivers who rely on their vehicle for consistent income. Policies tend to be broader in scope than basic hire and reward cover, and the option to include public liability appeals to those delivering in busy urban environments or commercial settings.

Drivers often consider Kingsbridge because it offers:

• Professional-grade courier insurance with optional liability protection
• Cover suitable for car drivers, scooter riders and mixed-vehicle use
• A solid reputation in the wider contractor insurance market
• Policies that suit drivers aiming for long-term delivery work rather than short-term shifts

Kingsbridge often attracts drivers who take delivery work seriously and want a policy that reflects the risks of handling goods, navigating tight delivery windows and working around pedestrians and busy high streets. It is not the cheapest provider, but it offers depth and professionalism, making it a good fit for full-time drivers who value coverage that extends beyond the basics.

5. Quotezone

Quotezone is useful for food delivery drivers who want to compare multiple hire and reward insurers in one place, filter options by vehicle type, and find policies that match different delivery schedules and earnings patterns.

Unlike the insurers listed above, Quotezone acts as a comparison platform rather than a provider. Its value lies in giving drivers visibility over a wider range of hire and reward policies, which is helpful if you are unsure where you fit in the market or want to check whether you could secure a better deal elsewhere. Many riders use Quotezone when they first enter delivery work because it highlights the insurers most likely to accept their profile.

Drivers tend to turn to Quotezone for:

• Quick comparisons of hire and reward insurers without contacting each one individually
• The ability to filter by car, scooter or moped, which helps match the policy to the job
• A clearer understanding of pricing trends for full-time and part-time delivery work
• Support for drivers who need a starting point before committing to a single insurer

Quotezone is particularly useful for new entrants to food delivery who do not yet know which insurer best suits their workload or delivery platform. It offers perspective rather than a one-size-fits-all answer, helping drivers make more confident decisions before purchasing cover.

6. Acorn

Acorn is a strong choice for food delivery drivers who need broader acceptance criteria, consistent hire and reward cover, and reliable underwriting from an insurer experienced with higher-risk or non-standard driver profiles.

Acorn appeals to many delivery workers because it offers policies that remain accessible even when other insurers decline applications. Drivers with limited UK experience, previous claims, or points on their licence often find Acorn more accommodating. This makes it a practical option for riders who are entering delivery work for the first time or returning after a break.

Key reasons drivers choose Acorn include:

• Wider acceptance criteria for drivers with past claims or convictions
• Straightforward annual hire and reward policies suitable for regular delivery work
• Stable pricing compared with some PAYG alternatives
• A strong track record with couriers using cars, scooters and smaller delivery vehicles

Acorn also stands out for drivers who prefer a traditional annual policy rather than a usage-based model. It offers predictability, something many full-time delivery workers value when earnings fluctuate seasonally. While onboarding isn’t as instant as digital-first providers, Acorn remains dependable, particularly for those who want long-term stability or need an insurer with more flexible underwriting.

7. INSHUR

INSHUR is well suited to delivery drivers who want fast digital onboarding, straightforward monthly hire and reward cover, and an insurer that works smoothly across mixed-use driving such as private hire plus food delivery.

INSHUR has built its reputation around convenience. Drivers can complete the entire setup through the app, upload documents, and activate cover without speaking to an agent. This simplicity appeals to delivery workers who need to get on the road quickly or who balance delivery work with private hire jobs. The monthly model also suits drivers whose income varies between busy and quieter periods.

Drivers often choose INSHUR because it offers:

• Rapid app-based setup with minimal friction
• Monthly hire and reward cover that adapts to fluctuating workloads
• Strong compatibility for drivers working across Uber, Deliveroo and multi-purpose platforms
• A pricing structure that tends to reward cleaner driving records over time

INSHUR works particularly well for car drivers who split their time between passenger work and food delivery. The insurer’s focus on digital process and transparent documentation makes it easier for drivers to stay compliant and avoid delays. While it may not always be the cheapest option, INSHUR remains popular with those who prefer low-effort admin, predictable monthly payments and a service built entirely around smartphone usage.

Food delivery insurance typically costs more than standard car insurance because it covers commercial driving, with prices changing based on location, vehicle type, claims history and how often you deliver.

Scooter and moped riders often pay less because their vehicles carry lower repair costs and operate in smaller delivery zones. Car drivers in dense cities tend to pay more due to higher accident rates and heavier traffic. PAYG pricing can be cost effective for part-time riders, while full-time drivers usually prefer monthly or annual hire and reward policies for predictable costs.

Here is a simple, realistic example of how pricing differs:

 
Prices vary widely, but the structure above reflects common patterns across UK delivery platforms.

Related Read: How Much Does Food Delivery Insurance Cost In The UK?

The best provider is the one that matches your delivery pattern, vehicle type and working hours, whether you deliver occasionally or rely on the job full time.

If you work sporadically, a PAYG model may be more cost effective. Full-time riders generally prefer monthly or annual hire and reward policies for stability. Car drivers often look for quick claims handling and clear excess terms, while moped and scooter riders tend to prioritise affordability and flexible activation.

Comparing how each insurer supports your chosen delivery platform is also essential, since activation requirements vary across Deliveroo, Uber Eats and Just Eat.