Whether you’re a Just Eat rider, Deliveroo cyclist, or an Uber Eats driver using your car, this guide is tailored for UK-based individuals seeking reliable and up-to-date Food Delivery Insurance advice.
What Is Food Delivery Insurance?
Food delivery insurance is a type of hire and reward insurance covering drivers, riders, or couriers delivering food or parcels. Standard car, bike, or motor insurance does not cover food delivery unless explicitly stated.
Key Point: If you’re using a personal vehicle for food delivery, you’re legally required to have the correct type of insurance—or risk fines, license points, or having your vehicle seized.
Why You Need It: Legal & Financial Risks
Legal Compliance
- Operating without the correct insurance can invalidate your current policy.
- Police may issue fines of up to £300 and 6 penalty points.
- Your vehicle could be seized on the spot.
Financial Protection
- Covers third-party damages in accidents.
- Optional protection for your vehicle and injury.
- Safeguards your earnings if your car is out of service.
Types of Food Delivery Insurance Policies
1. Third-Party Only (TPO)
- Covers damage to other people and vehicles.
- Cheapest option, but no cover for your vehicle.
2. Third-Party, Fire & Theft (TPFT)
- TPO + coverage for fire damage and theft of your vehicle.
3. Comprehensive
- Covers everything: third-party, theft, fire, and your damages.
- Usually includes personal injury protection.
Additional Cover Options
- Public Liability Protects you if someone sues you for injury or damage while delivering.
- Goods in Transit Covers food or items you’re transporting in case of damage or theft.
- Breakdown Cover Assistance if your vehicle breaks down during a delivery shift.
- Personal Accident Offers compensation in case of injury while on duty.
Top Food Delivery Insurance Providers in the UK (2025)
Here are some trusted providers offering flexible policies:
- Zego – Popular for pay-as-you-go insurance. Integrates with delivery apps.
- Acorn Insurance – Covers scooters, mopeds, and cars. Suitable for high-risk drivers.
- Courier Cover – Specialised courier and delivery insurance.
- INSHUR – Digital-first insurer, integrated with Uber Eats.
- Tempcover – Temporary food delivery insurance, great for part-time workers.
How Much Does It Cost?
Premiums vary based on:
- Type of vehicle (bike, scooter, car)
- Location and delivery area
- Age and driving history
- Full-time vs part-time work
Typical Costs (Monthly Estimates):
- Bicycle: £15 – £30
- Moped/Scooter: £40 – £90
- Car: £70 – £150+
Tip: Some insurers offer pay-per-mile or per-delivery options—perfect for part-time workers.
Steps to Get the Right Insurance
- Know your delivery platform – Each has specific insurance requirements.
- Choose the right level of cover – Based on how often and what vehicle you use.
- Compare multiple quotes – Use brokers or aggregators.
- Check for hidden exclusions – Not all policies cover every scenario.
- Keep digital proof – Most platforms require instant verification.
Common Mistakes to Avoid
- Assuming personal car insurance covers food delivery.
- Not declaring delivery work to insurers.
- Buying the cheapest policy without reading the terms.
- Missing out on public liability or goods in transit add-ons.
Real-World Example
Case Study: Liam from Manchester
Liam, a part-time Deliveroo driver using his car, was pulled over and fined £300 because he assumed his standard insurance covered deliveries. He later got a Zego policy, which was adjusted based on his delivery hours, saving him 40% monthly.
Expert Advice: What the Pros Say
“We always recommend getting comprehensive coverage with public liability. You never know when a minor accident can escalate into a costly legal issue.” – David Clarke, Insurance Advisor at CourierProtect Ltd.
Conclusion: Deliver Smart, Insure Smarter
Delivering food in the UK is a great way to earn—but only if you’re properly insured. Having the right policy in place protects your finances, your future, and your peace of mind. From part-time cyclists to full-time car drivers, food delivery insurance is not optional—it’s essential.
Take the time to explore your options, ask questions, and make an informed decision that keeps you legally compliant and financially protected. Your delivery hustle deserves the right backup.
Frequently Asked Questions (FAQ)
1. Is food delivery insurance mandatory in the UK?
Yes. If you deliver food using any vehicle, you must have valid hire and reward insurance.
2. Can I use my car insurance for deliveries?
No. Personal policies usually exclude commercial delivery work.
3. What if I’m only delivering part-time?
Look into pay-as-you-go policies from providers like Zego or Tempcover.
4. Do I need extra insurance for using a bicycle?
Legally no, but public liability and personal accident insurance are highly recommended.
5. Does Deliveroo or Uber Eats provide insurance?
Deliveroo offers limited third-party liability for riders. Uber Eats offers some coverage but it’s often not comprehensive.
6. Is food delivery insurance tax deductible?
Yes, if you’re self-employed. It counts as a business expense.
7. How quickly can I get covered?
Some insurers offer instant digital cover. Ideal for gig workers needing fast approval.
8. Can I cancel or switch policies anytime?
Many flexible plans allow you to cancel or pause cover with minimal fees.
