Pay As You Go Food Delivery Insurance

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Low cost pay-as-you-go fast food delivery insurance

For part-time delivery drivers, pay-as-you-go food delivery insurance offers a straightforward way to get covered for their shifts. But what exactly is pay-as-you-go insurance, and is it always the best option for food couriers?

We’ll answer these questions and more in our article below. For more information about food delivery insurance, be sure to check out our other content on the topic or get in touch with our friendly team today.

What is pay-as-you-go food delivery insurance?

How does PAYG food delivery insurance work?

PAYG insurance can typically be “turned on and off” as the delivery driver pleases. This means that a courier can take out cover at the start of their shift and then turn it off when they’ve finished working. In some cases, drivers can even deactivate their cover between deliveries when they’re not carrying food. The process is usually done via a smartphone app.

To keep tabs on what delivery drivers are doing while they are covered, most PAYG insurance providers will require a “black box” to be installed in the delivery vehicle. A black box is effectively a tracking device that records information about the deliveries the driver is making, as well as the quality of their driving.

If your PAYG insurance company starts to notice that you’re making deliveries without activating your cover, or are driving dangerously, then they might stop you from taking out PAYG cover in the future.

Compare PAYG Delivery Insurance from top UK insurers

How does the black box tracking work?

The benefits of PAYG delivery insurance

So, why should you consider choosing this type of hire and reward insurance, and what benefits can you expect if you do?


Firstly, and for many people most importantly, PAYG delivery insurance can work out cheaper than standard fast food or hire and reward insurance. Since the cover can be turned off between deliveries, you’re only ever paying for insurance for the times you need it.


As we’ve already touched on, the flexibility offered by a PAYG policy is one of its biggest advantages. The majority of food delivery platforms do not offer their employers secure shifts.

No need to commit to an annual policy

Annual insurance policies can be expensive and inflexible. When they’re already paying a significant amount for social, domestic and pleasure vehicle insurance, it’s understandable that food drivers might not want to shell out for a further 12 months for another policy.

How much does PAYG food delivery insurance cost?

Who offers PAYG delivery insurance?

Pay-as-you-go courier insurance is not widely offered by the UK’s most well-known insurers. In fact, many insurers refuse to provide any sort of cover for drivers whatsoever. For couriers, insurance options are certainly very limited.

Zego is currently the leading PAYG food courier insurance company in the UK. Zego has patterned up directly with many food delivery organisations, meaning getting signed up can be very straightforward. If you’re looking for a simple and reliable courier insurance solution, then going with Zego could be your best bet.

Well known insurance companies such as Admiral and Acorn also offer hire and reward courier policies, which are great solutions for long term insurance. We recommend this type of cover to drivers who are working significant hours in the week, but it’s probably not worth it for any casual couriers.

You can compare all your hire and reward insurance options right here at Utility Saving Expert.

What are the requirements for obtaining pay-as-you-go food insurance cover?

To get PAYG delivery insurance, you must first have a vehicle with a valid social, domestic and pleasure insurance policy. You can use the Zego app to get an instant quote on your hourly food vehicle insurance rate.

Is delivery insurance a legal requirement in the UK?

Yes, having some form of food delivery coverage is required to deliver third party food items for payment. It’s important to understand that standard car insurance does not provide sufficient cover for delivery drivers.

Whether you choose hire and reward or fast food courier insurance, it’s essential to have something sorted before making your first delivery. If you are caught delivering without the right insurance policies, then you could face a fine or points on your license.

In addition, insurance claims can be voided if you were found to be delivering food without insurance when you were involved in an accident. This could also arise if your vehicle gets stolen during a delivery too.

What is the difference between compulsory excess and voluntary excess?

Compulsory excess is applied to your insurance policy no matter what. This type of excess is decided and applied by the insurance provider, and is often set higher for younger or less experienced drivers.

Voluntary excess refers to the amount of excess you’re willing to pay. Voluntary excess can help people to get cheaper car insurance. It’s a good idea to look into how voluntary excess will affect the policy cost to help you secure a price that’s comfortable and affordable for you.

How do I use my pay-as-you-go delivery insurance?

Once you’ve signed up to Zego and accepted your hourly rate quote, you’ll be able to activate your insurance whenever you need to from the app.

The current minimum cover term is one hour, but this can be adjusted upwards to match your shift schedule.