SimplyQuoteInsightsFood Delivery InsuranceWhat insurance do I need for Uber Eats?

What insurance do I need for Uber Eats?

You’ll need a Motor Insurance Certificate for food delivery or hire and reward insurance to be an Uber Eats delivery driver.

These requirements confirm you have the minimum third-party liability cover in place, ensuring you’re compliant to drive (and deliver food) within the UK.

Without this specialised insurance cover, you’re at risk of road-related liabilities and compensation claims, should you be involved in an accident while on duty.

Additionally, before you hit the road with your first food delivery, you must have the proper food delivery insurance policy in place for the type of vehicle you operate, whether you’re delivering food by car, van, scooter, motorbike or bicycle.

Luckily, this article covers all of the above.

What insurance do Uber Eats drivers need in the UK?

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What types of food delivery insurance are available for Uber Eats drivers?

Who is eligible for Uber Eats insurance?

What’s covered with Uber Eats food delivery insurance?

What Levels Of Uber Eats Insurance Are Available In The UK?

Third-party only (TPO)– The lowest level of motorcar cover.
– A minimum legal requirement.
– Includes public liability insurance which protects against third-party claims.
– Does not cover personal vehicle repair or injury costs if you’re in an accident.
Third-party, fire and theft (TPFT)– Medium-level motorcar cover.
– Includes TPO.
– Pays out if your vehicle is damaged by fire or stolen.
– Does not cover personal vehicle repair or injury costs if you’re in an accident.
Fully comprehensive cover– The highest level of motorcar cover.
– Includes TPO and TPFT.
– Covers costs to repair/replace your vehicle in the event of a collision.
– Includes SD&P insurance.
– May include replacement vehicle and breakdown cover, among others.

How much does Uber Eats delivery insurance cost?

Type of InsuranceCost Range (£)
Pay-as-you-go£0.80 per hour
Monthly policy £110 – £150 per month
Annual policy £650 – £1,200 per year

Frequently Asked Questions

Does standard car insurance cover food deliveries?

No, hire and reward activities (e.g. food deliveries, taxi services) are not covered by regular vehicle insurance.

Can I do Uber Eats deliveries without insurance?

No, it is illegal to drive any mode of transport on UK roads without valid insurance, whether you’re delivering food, going to the shop or commuting to work.

Can I deliver food for multiple delivery platforms with Uber Eats insurance?

Yes, you can deliver food for Uber Eats, Just Eat, Stuart and Deliveroo and still be covered by the same food delivery insurance policy.