Food Delivery Insurance

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What is food delivery insurance?

Food delivery insurance, also known as “hire and reward insurance” is a bespoke policy designed to protect drivers and their vehicles while making deliveries. Whether they’re working with major platforms like Deliveroo, Uber Eats, and Just Eat or operating independently, this insurance is essential for ensuring both safety and compliance in the food delivery sector.

Beyond its fundamental role, food delivery insurance serves as a crucial safeguard. It shields drivers from potential liabilities and unforeseen incidents on the road. Given the significant growth of the food delivery sector in the UK, our streets are teeming with dedicated drivers, underscoring the importance of having the right coverage.

While the standard Social, Domestic & Pleasure (SD&P) insurance caters to personal driving activities like commuting and shopping, food delivery insurance offers more comprehensive cover. It acknowledges the demands of punctual deliveries, the nuances of food handling, and the challenges of diverse driving conditions.

Who needs food delivery insurance?

What does food delivery insurance cover?

Food delivery insurance covers potential accidents, public liability in case of injury or property damage, and loss or damage of the food items being delivered. It provides tailored protection specifically for drivers delivering food in exchange for payment.


Drivers are protected against any damages to their vehicle or injuries they might sustain while delivering food. This cover is essential given the unique challenges of food delivery, such as navigating busy streets during peak hours.

Public liability

Should a driver accidentally injure someone or damage their property during a delivery, this cover handles the associated costs, ensuring both the driver and the affected party are safeguarded.

Loss or damage of goods

As drivers transport food, it’s crucial that any loss or damage to these items during transit is covered. This ensures customers receive their orders in the expected condition.

Goods in transit insurance

This specific cover protects the food being transported against potential damages or loss, reinforcing the comprehensive nature of food delivery insurance.

How much does food delivery insurance cost?

The cost of food delivery insurance in the UK is between £700-£1200 for an annual policy. Additional add-ons to the policy can cost between £75 to £250 per extra added.

What factors influence the cost?

The price of food delivery insurance is influenced by multiple factors. These can include the type of vehicle being used, the driver’s age, driving history, location, and the specific cover options chosen. For instance, a driver with a clean driving record might receive a more favourable rate compared to someone with previous claims or convictions.

How does it compare with standard insurance?

Food delivery insurance usually costs more than a standard insurance plan. This is because it covers the additional pressures and responsibilities associated with transporting food for payment. Drivers are often navigating busy streets, especially during peak meal times, which can increase the risk of accidents.

Why is adequate cover important?

While it might be tempting to opt for the cheapest policy available, it’s important to ensure that the cover is comprehensive and suitable for the specific needs of food delivery. Underinsured drivers might face significant out-of-pocket expenses in the event of an accident or mishap.

Should drivers shop around?

Given the variability in prices, it’s advisable for drivers to shop around and compare quotes from different providers. Some platforms or companies might also offer group insurance rates or partnerships with specific insurers, providing discounted rates for their drivers.

Compare cheap takeaway food courier insurance policy quotes

Why do takeaway courier insurance policies cost more?

Getting insured for fast food delivery may cost more than your personal car insurance. From an insurer’s perspective, the conditions of fast food delivery services pose a risk.

The average delivery time is 30 minutes, and late delivery is currently the number one frustration for consumers. This increases the expectation for drivers to deliver food to the customers quickly, before it gets cold, increasing their likelihood of driving fast or under stress.

On top of this pressure, you’ll be spending more time on the road than the average driver. If you operate a motorbike, scooter or bicycle, you face additional risks on the roads. To protect yourself in the unlikely event of an accident, it pays to find the right level of car insurance from a reliable insurer to cover your type of vehicle and nature of work.

How to choose the right food delivery insurance policy?

Choosing the right food delivery insurance policy involves understanding your specific needs, comparing various policy options, and ensuring it covers all potential risks associated with delivering food. It’s essential to consider factors like the type of vehicle, frequency of deliveries, and the flexibility of the policy, such as pay-as-you-go options.

What are your specific needs?

Before diving into policy options, assess your specific needs. Are you delivering part-time or full-time? Do you use a car, motorbike, or scooter? Your choice should align with your delivery frequency, vehicle type, and the platforms you work for.

Compare different policy options

Don’t settle for the first policy you come across. Shop around, compare quotes from different providers, and read reviews. Some platforms or companies might offer group insurance rates or partnerships with specific insurers, providing discounted rates for their drivers.

Consider pay-as-you-go options

For those who deliver food occasionally or on a part-time basis, pay-as-you-go insurance might be a suitable choice. This flexible option allows drivers to pay for insurance only when they’re working, potentially saving money compared to traditional annual policies.

Understand the policy coverage

Ensure the policy covers potential accidents, public liability, and loss or damage of goods. It’s also crucial to check for any exclusions or limitations. For instance, some policies might not cover certain areas or during specific hours.

Seek expert advice

If you’re unsure about which policy is right for you, consider consulting with an insurance expert or broker. They can provide tailored advice based on your circumstances and help you navigate the complexities of food delivery insurance.

Customer reviews

Tyler Price

Results appear very quickly on the website, and it is very easy to use. Upon selecting the right insurer, it takes you to their website for completion. As a result, I saved almost £100 over the quote I received from my previous insurer. I’m impressed!

Date of experience: 06 December 2022
Source: Trustpilot

J Osborne

2nd time I’ve used the site. There quite new as comparison sites go, but, what I really like is that not only do they save me plenty of £££, they also donate to fuel poverty charities to help those in need.

Date of experience: 03 March 2020
Source: Trustpilot

Mike Rye

Used to get insurance for delivering as an Uber Eats driver. Got a few quotes from brokers and ended up with a great deal.

Date of experience: 04 March 2020
Source: Trustpilot

Jon Scott

Good service, easy to use. Will use again as helped me save some money.

Date of experience: 04 March 2020
Source: Trustpilot

“With the rising cost of living, many are exploring avenues to supplement their income. Food delivery jobs have emerged as a popular choice for many households. However, it’s essential to ensure you’re properly insured when using your vehicle for food deliveries. At Utility Saving Expert, we emphasise the importance of having the right coverage. Driving without the appropriate insurance can result in a £300 fine and 6 penalty points.”

Chris Richards, Managing Director at Utility Saving Expert

How do I compare food delivery insurance quotes?

Finding the right food delivery insurance doesn’t have to be a daunting task. With Utility Saving Expert, we’ve made the process straightforward and efficient, connecting you with a range of trusted UK-based specialists.

To get started with Utility Saving Expert, simply:

1. Input your vehicle type and specifications.
2. Select your desired level of cover.
3. Provide some basic information about yourself, and you’ll begin receiving tailored quotes.

Keeping a clean driving record is key. Avoiding claims and driving issues can help lower your insurance costs.

If you’re in the food delivery business, it’s important to know the risks. Utility Saving Expert is here to help you find the right insurance at a competitive price.

Whether you own a food outlet with drivers or deliver food yourself, having the right insurance is a must. By using our comparison tools, you can check if your current policy meets your needs.

Your vehicle is vital for your job. Making sure it’s properly insured is essential, especially if something goes wrong.

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Frequently Asked Questions (FAQs)

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” coverage, 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.

How much does it cost to add food delivery insurance?

The cost to add food delivery insurance varies based on several factors, including your vehicle type, driving history, and location. On average, adding food delivery coverage to a standard policy can increase premiums, but it’s essential to get a tailored quote from insurers for an accurate figure.

How do I insure my car for food delivery?

To insure your car for food delivery, you’ll need a specific food delivery insurance policy or an add-on to your existing policy. Start by contacting your current insurer to discuss options or use comparison platforms like Utility Saving Expert to find tailored policies. Ensure the coverage includes “Hire and Reward” for transporting goods for payment.