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With so many takeaway apps to choose from, working as a food delivery driver is a great way to boost your income on the side. But whether you work for Deliveroo, Uber Eats or Uber Eats, it’s crucial to have insurance that covers your activities. Without adequate cover you could be held financially responsible if you have an accident – here’s what you should know.
Do I need insurance for Uber Eats?
If you’re delivering takeaway food then you’ll need food delivery insurance. These policies reflect the hazards you face that are unique to your job, because:
- You’ll be covering more miles than the average driver
- You’ll typically be driving at night and in all weathers
- You’ll be working to a tight timetable making multiple drop offs.
As far as insurers are concerned, all these factors can increase the risk of an accident happening, which is something your Uber Eats insurance policy will take into account.
I already have car insurance, do I still need Uber Eats insurance?
In short, yes – you still need courier insurance to cover your Uber Eats work. This is because standard car insurance only covers driving for social, domestic and pleasure use, as well as commuting to a single place of work. Working for Uber Eats means your driving activities fall outside of this so you’ll need a policy that reflects what you’re doing.
Driving without appropriate insurance can invalidate any policy you do have so if you have an accident your insurer can refuse to pay out.
What does insurance for Uber Eats include?
What’s included in your policy will depend on the terms and conditions set out by the insurer, but you’ll be able to choose from one of three levels of cover:
- Third party only – covers compensation and repairs if you cause injury or damage to someone else or their property in an accident. This is the minimum level of cover you can have by law but it’s important to remember that it won’t pay to repair your car.
- Third party, fire and theft – includes third party only cover and will also compensate you if your car is stolen or damaged by fire.
- Comprehensive cover – includes third party, fire and theft and will also pay to repair your car if you have an accident (even if the accident is your fault).
Other features that might be part of your policy or that you’ll often be able to add on include:
- Breakdown cover and courtesy car – provides roadside help and a replacement vehicle if yours is being repaired.
- Legal expenses – covers legal fees and court costs if you need to defend yourself.
How much does Uber Eats insurance in the UK cost?
Price is affected by all sorts of factors some of which will depend on your own circumstances – for example:
- The car you drive – expensive or powerful cars attract higher premiums as they can be pricier to fix and are a greater target to thieves.
- The miles you cover – covering more miles increases the time you spend on the road which raises the risk of being involved in an accident.
- Your claims history and driving record – a recent claim can increase your premium, as do points on your licence.
- Your age – younger drivers are statistically more likely to be involved in a road accident which is reflected in higher premiums.
If delivering for Uber Eats is only something you do on the side, it’s tempting to go for the cheapest policy you can find but that can be a false economy in the long-term.
Any policy you have should cover the activities you do and provide you with enough protection considering all the potential risks. While that could cost a little more upfront, it could save you from significant financial hardship later on.
Compare Uber Eats car insurance
At Quotezone.co.uk, we make it easy to search for Uber Eats delivery insurance. Simply answer a few short questions about you and your car and then we’ll match you up with suitable courier insurance providers.