Top 7 UK Food Delivery Insurance Providers

#1. Zego

Zego is the top-ranked food delivery insurer because its pay-as-you-go model lets drivers pay only for the hours they work, and its policies are accepted by Deliveroo, Uber Eats, and Just Eat.

Why Zego stands out

Zego offers two options: PAYG cover tracked to your working hours, or monthly hire and reward for drivers who work regular shifts.

The app-based setup takes minutes, and drivers can activate cover and upload documents to delivery platforms the same day.

#2. Admiral

Admiral is a strong choice for full-time delivery drivers who want hire and reward cover from one of the UK’s largest and most recognised insurers.

Why Admiral stands out

Pricing is competitive for drivers working regular hours, and Admiral’s documentation is widely accepted by all three major delivery platforms.

Optional extras include breakdown cover and equipment protection. Claims handling is backed by a large UK-based team.

#3. Freedom Brokers

Freedom Brokers specialises in courier and delivery insurance, making it a reliable option for moped and scooter riders who deliver in busy urban areas.

Why Freedom Brokers stands out

Policies are tailored to day-to-day delivery work rather than adapted from general motor cover. The insurer has long-standing experience with courier-style risks.

Onboarding is slower than app-led providers, but many motorbike and scooter riders prefer the stability of an insurer with deep courier market knowledge.

#4. Kingsbridge

Kingsbridge is best suited to professional delivery drivers who want broader courier insurance with optional public liability cover.

Why Kingsbridge stands out

Policies go beyond basic hire and reward by offering liability add-ons for drivers delivering in commercial settings or busy pedestrian areas.

Kingsbridge has a strong reputation in the wider contractor insurance market, which appeals to drivers who treat delivery as a long-term career.

#5. Quotezone

Quotezone is a comparison site that lets drivers search multiple hire and reward insurers in one place, filtered by vehicle type and delivery pattern.

Why Quotezone stands out

It is not an insurer itself, but a tool for finding the best deal across the market. New drivers often start here to understand pricing before committing.

Results can be filtered by car, scooter, or moped, which helps match the policy to your delivery setup.

#6. Acorn

Acorn is a practical option for drivers with non-standard profiles, such as those with previous claims, convictions, or limited UK driving history.

Why Acorn stands out

Where other insurers may decline applications, Acorn’s wider acceptance criteria give more drivers access to hire and reward cover.

Annual policies offer predictable costs, which suits full-time drivers whose earnings fluctuate seasonally.

#7. INSHUR

INSHUR is designed for drivers who split their time between food delivery and private hire passenger work, with fast digital onboarding and monthly pricing.

Why INSHUR stands out

The entire setup is handled through the app, from document uploads to cover activation. Monthly payments suit drivers whose workload varies week to week.

INSHUR rewards cleaner driving records with lower premiums over time, which benefits drivers who stay claim-free.

How do the seven providers compare?

The table below summarises each provider’s strengths, pricing model, and platform acceptance to help you narrow down your shortlist.

Provider comparison at a glance

What are the main types of food delivery insurance?

Most food delivery drivers choose between three policy types: pay-as-you-go, monthly hire and reward, or annual hire and reward.

Pay-as-you-go (PAYG)

PAYG cover charges per hour or per trip while you are actively delivering. You only pay when the app is on, which makes it the cheapest option for part-time or irregular drivers.

Monthly hire and reward

A fixed monthly premium covers all delivery work throughout the month. This suits drivers who work regular hours and want predictable costs.

Annual hire and reward

A single annual premium paid upfront or in instalments. Annual policies often provide the lowest per-day cost for full-time drivers who deliver five or more days a week.

What is food delivery insurance?

Food delivery insurance is a type of hire and reward cover that allows drivers to legally deliver food for platforms like Deliveroo, Uber Eats, and Just Eat.

Why standard insurance is not enough

Under the Road Traffic Act 1988, using a vehicle for paid delivery without the correct cover is a criminal offence. Your standard policy will not pay out if you have an accident while working.

Most delivery platforms require proof of hire and reward cover before activating your driver account.

How much does food delivery insurance cost?

Food delivery insurance typically costs more than standard motor cover because it reflects the higher risk of commercial driving, with prices varying by vehicle type, location, and driving history.

Pricing by vehicle type

For a full breakdown by vehicle and region, see how much food delivery insurance costs in our detailed pricing guide.

How do you choose the right provider?

The right provider depends on how often you deliver, the vehicle you use, and whether you need flexibility or predictable fixed costs.

Match the policy to your schedule

Part-time drivers who deliver a few hours a week often save money with PAYG cover from Zego. Full-time drivers usually prefer annual policies from Admiral, Freedom Brokers, or Kingsbridge for stable monthly costs.

Check platform acceptance

Before purchasing, confirm that the insurer’s documents are accepted by your delivery platform. Check our guide to Uber Eats insurance requirements for platform-specific details.

Verify the insurer is FCA-Authorised

Only buy from providers authorised by the Financial Conduct Authority. You can search the FCA register to confirm any insurer or broker before committing.