Delivering fast food in the UK? Whether you’re zipping through city streets for Uber Eats or dashing across town for Just Eat, one thing is essential—fast food delivery insurance. Without the right cover, you’re putting your vehicle, income, and legal standing at risk.
This complete guide breaks down everything UK-based fast food couriers need to know—from legal requirements and insurance types to providers, costs, and common mistakes. Stay informed, stay covered, and stay on the road.
What Is Fast Food Delivery Insurance?
Fast food delivery insurance is a specialised form of hire and reward insurance that allows you to legally deliver takeaways, groceries, or parcels using your personal vehicle. It fills the gap where personal car, van, or bike insurance falls short.
Important: Regular vehicle insurance policies do not cover delivery unless specified. Using your vehicle for fast food delivery without the proper cover is illegal in the UK.
Why It Matters: Legal, Financial & Operational Risks
- UK law mandates appropriate hire and reward insurance for delivery work.
- Operating without it may result in a £300 fixed penalty notice, 6 penalty points, and possible vehicle seizure.
1. Legal Requirement
- UK law mandates appropriate hire and reward insurance for delivery work.
- Operating without it may result in a £300 fixed penalty notice, 6 penalty points, and possible vehicle seizure.
2. Financial Security
- Protects against third-party claims
- Optional add-ons cover theft, breakdown, or personal injury
- Avoids paying out-of-pocket for accidents during deliveries
3. Employment Compliance
- Most delivery platforms require proof of insurance before assigning shifts
Who Needs Fast Food Delivery Insurance?
You need this insurance if you:
- Deliver food for Uber Eats, Just Eat, Deliveroo, Domino’s, or local takeaways
- Use a car, scooter, motorbike, or even an electric bicycle
- Are self-employed or work through apps
- Deliver full-time or part-time
Even if you only deliver a few hours a week, the correct insurance is mandatory.
Levels of Fast Food Delivery Insurance
Third-Party Only (TPO): Covers third-party injuries and damage but doesn’t protect your own vehicle. This is often the most affordable option and suits budget-conscious drivers.
Third-Party, Fire & Theft (TPFT): Offers the benefits of TPO, with added protection in case your vehicle is stolen or damaged by fire. It’s ideal for scooter and bike riders in urban areas.
Comprehensive Cover: Provides complete protection—including damage to your own vehicle and personal injury cover. This is the preferred choice for full-time delivery drivers.
Optional Add-ons to Enhance Coverage
- Public Liability Insurance: Protects against third-party claims from the public
- Goods in Transit Cover: Secures the items you’re delivering from loss or damage
- Breakdown Assistance: Essential for car or scooter drivers who rely on their vehicle
- Legal Expenses Cover: Helps cover the cost of legal representation if disputes arise
- Personal Accident Cover: Offers financial support if you’re injured on the job
Best Fast Food Delivery Insurance Providers in the UK (2025)
- Zego: Offers flexible, pay-as-you-go policies ideal for gig workers. It integrates with major delivery apps.
- INSHUR: A user-friendly platform for quick quotes. Supports Uber Eats and Just Eat couriers.
- Courier Cover: Tailors policies specifically for fast food delivery drivers using cars and bikes.
- Acorn Insurance: Known for covering high-risk drivers and offering strong customer support.
- Tempcover: Great option for short-term delivery drivers who want temporary cover.
How Much Does Fast Food Delivery Insurance Cost in the UK?
Costs depend on several factors such as age, vehicle type, delivery frequency, and driving history. Here are typical monthly premiums based on vehicle type:
- If you’re using a bicycle, expect to pay around £15 to £25 per month.
- Moped or scooter riders generally pay between £35 and £80 per month.
- For those using a car, monthly premiums range from £60 to over £140.
Tip: If you’re a part-time delivery worker, look for telematics or pay-as-you-go policies that charge based on actual usage.
How to Choose the Right Policy
- Decide how often you deliver. If it’s only occasionally, go for flexible or temporary insurance.
- Check what your platform requires. Some platforms have minimum insurance standards.
- Compare several quotes. Use online tools and reach out to specialist brokers.
- Evaluate what’s included. Don’t compromise on essentials like legal cover.
- Read the terms. Some policies may exclude specific delivery types or areas.
Real Courier Story: A Risky Shortcut
Case Study: Zara, a university student in London
Zara delivered fast food part-time using her personal scooter. She assumed her basic third-party policy was enough until she was involved in a minor accident. Her claim was denied, and she faced a £1,500 repair bill. She now uses Zego’s pay-as-you-go plan and is fully covered—even for night shifts.
Expert Insight: Avoid Common Pitfalls
“Many drivers try to save money by skipping proper delivery insurance. One incident can cost you more than a year’s worth of premiums.” – Alex Jones, Lead Broker at FastFleet Insurance Ltd.
Conclusion: Protect Your Journey with Smart Insurance
Delivering fast food is a flexible and profitable gig, but it comes with its own set of risks. The right fast food delivery insurance shields you from legal issues, financial shocks, and platform bans. Whether you’re doing this full-time or just a few hours per week, getting covered is not optional—it’s critical.
With tailored options available for all types of drivers, there’s no excuse to go uninsured. Compare, customise, and choose a plan that fits your delivery lifestyle.
Frequently Asked Questions (FAQ)
1. What’s the difference between food delivery and courier insurance?
Courier insurance may cover parcels, groceries, or mail. Food delivery insurance is specific to transporting hot/cold meals.
2. Can I get hourly or daily delivery insurance?
Yes. Providers like Zego and Tempcover offer hourly or shift-based insurance.
3. Is public liability insurance necessary for bike couriers?
Not legally required, but strongly recommended—especially if riding in pedestrian zones.
4. Are electric scooters and e-bikes covered?
Only if road-legal and registered with DVLA. Otherwise, insurers won’t cover them.
5. Will my premium go down over time?
Yes, if you build a clean driving record and make no claims, insurers may offer discounts.
6. Can I use comparison websites?
Yes, but many specialist policies aren’t listed. Consider calling courier-focused brokers.
7. What documents do I need to get covered?
Typically: driving license, vehicle logbook, proof of delivery platform registration.
8. Can I pause my policy if I stop delivering?
Flexible policies allow pausing. Check cancellation fees before signing.
