Compare Food Delivery Insurance
Cheap Fast Food Delivery Insurance
- Quotes from trusted UK food delivery insurance providers
- One short form – save time & money
- 97% of customers recommend us
Policies and deals from industry leading insurance providers, including
Food Delivery Insurance for the UK
What is food delivery insurance?
Insurance for food delivery gives you additional hire and reward coverage. You’ll need this in addition to your normal vehicle insurance if you are a food courier or deliver food as part of your work. The usage options offered on standard car, van or bike policies don’t cover transporting goods for reward. Even if you have business cover, it won’t cover paid food deliveries. This insurance is typically sold as a separate policy to your existing insurance. However, your current insurer may still offer the cover.
How to get food delivery insurance in the UK
To get hire and reward insurance for food delivery, you first need valid motor insurance.
How food delivery insurance works
When taking out your existing motor insurance, you will have chosen what activities you use your car for. These usage options typically include:
- Social, domestic and pleasure (SDP), which includes everyday private driving only.
- SDP and commuting, which adds cover for travelling to and from a single place of work.
- Business use, which protects you while driving for work purposes that do not involve carrying goods for payment.
Hire and reward covers carrying goods in return for payment. It is not typically available on standard motor insurance policies and needs to be taken out separately.
Does business insurance cover food delivery?
This is a common misunderstanding. While delivering food might be your job, this does not mean it is covered by business use on your main motor insurance policy.
Business use coverage is intended for travelling to more than one place for work purposes. For example, if you work across multiple sites, or need to pick up or drop off clients or colleagues.
The key distinction between business use and hire and reward is that you are transporting goods for money. So if you are looking for business car insurance for food delivery, what you really need is hire and reward cover.
What food delivery insurance covers
Coverage options
You will have the same coverage options as standard vehicle insurance. The difference is that fast food delivery insurance offers you these protections while you are using your vehicle for food deliveries. You can choose from:
- Third-party only
- Third-party fire and theft
- Comprehensive cover
Cover for different vehicles
You can find car food delivery insurance from a wide range of insurers. Motorbike food delivery insurance is also available, along with options for vans and scooters.
What is not covered
Common exclusions on these policies are also similar to standard vehicle insurance. However, your claim can also be rejected if you are delivering goods that are not specified on the policy, or if you are working outside of agreed-upon working hours.
How much is food delivery insurance in the UK?
Costs are set based on a variety of factors. This is why finding food delivery insurance to compare is so important. It lets you get a clear view of how much this insurance will cost based on your circumstances. Here’s what can affect your food delivery insurance cost:
Your age and driving experience
Your no-claims record
Your postcode and the area you deliver within
Your vehicle type, value, engine size, and its security features
The hours you work and your delivery patterns
The type of coverage you choose (third-party or comprehensive)
How can I get cheap food delivery insurance?
Finding cheap food delivery insurance in the UK is essential to keep costs as low as you earn. Here are a few tips that could help your search:
Give an accurate mileage so you don’t overestimate and overpay.
If you have the option, choose a lower-value vehicle with a smaller engine.
Improve security where you can. One option could be parking your vehicle off the road at night.
Build a no-claims discount and make sure your insurer knows about it.
Compare several providers before you commit to a policy so you don’t miss a cheaper deal.
Fast food delivery insurance FAQS
Can I get Uber food delivery insurance?
How do I add food delivery to car insurance?
How much does food delivery insurance cost?
Can I use business insurance for food delivery?
Does standard car insurance cover food delivery?
Which insurance covers food delivery?
Who does food delivery insurance?
What people have to say about us
Very easy to get insurance
Alan
“”
Excellent service
Anonymous
“”
4.73/5 from 3478 customer reviews