What Does Food Delivery Insurance Cost in the UK

As the food delivery industry continues to boom, you might be considering joining the ranks of Deliveroo, Uber Eats, and Just Eat drivers. But before you start picking up orders, there's one crucial thing you need to sort out - your food delivery insurance. It's a legal requirement for all UK food delivery drivers and standard motor insurance simply won't cut it.

You're probably wondering, "how much does food delivery insurance cost?" Well, you're in the right place. In this article, we'll delve into the ins and outs of food delivery insurance costs in the UK. We'll also share tips on how to find the best cover for your needs and potentially lower your premiums. So buckle up and let's get started.

What is food delivery insurance?

Food delivery insurance, often known by various monikers such as fast food delivery insurance, takeaway delivery insurance or courier insurance, is an absolute must for you if your work involves transporting meals. It's a specialised category of business insurance, designed expressly for individuals in the food delivery industry.

You might be under the impression that you're adequately insured under your private car insurance policy. However, a standard social, domestic, and pleasure (SDP) policy falls short when it comes to covering fast food delivery work. Why? Because, in insurance terms, these delivery jobs are considered "business use," not just social, domestic, or pleasure pursuits.

Imagine you've had an accident while making deliveries. If you've only got an SDP policy, your insurance won't cover you. You'll end up footing the repair bills yourself, which could potentially run into hundreds – or even thousands – of pounds.

But don't worry, you're not left unprotected. To fill this gap, food delivery insurance comes into play. A comprehensive food delivery insurance policy provides robust protection, covering both your SDP usage and your food delivery work. That way, you're insured no matter how you're using your vehicle at any given time. Plus, it makes replacing your existing car insurance policy a breeze, giving you both peace of mind and reliable coverage for your food delivery work.

The best part? Getting quality food delivery insurance coverage doesn't have to break the bank. Your coverage costs may not be substantially higher than a standard vehicle insurance policy.

And remember, when it comes to insurance, cost is not the only factor to consider. The scope of coverage you get is equally crucial.

Why do you need food delivery insurance?

Just a quick glance at your standard motor insurance policy and you'll see it's not designed for food delivery. While you're enjoying the freedom of the open road as a delivery driver, your Social, Domestic and Pleasure (SDP) policy isn't lending you a hand with coverage. Your typical SDP insurance, unfortunately, doesn't include fast-food delivery work in its coverage plan. That's where food delivery insurance saves the day.

If you're working for food delivery companies like Uber Eats or independent restaurants with their unique pool of drivers, it's a different situation altogether. Some of these organisations might provide some level of cover. But do remember, coverage differs between operators. Thus, obtaining your own specific food delivery insurance becomes essential.

What if your current insurance provider's not game for this additional coverage? It's not the end of the road. You can always check if an add-on from another company is acceptable or switch to a new vehicle insurance policy that caters to your profession.

You've got an armoury of options when it comes to food delivery insurance. Some popular types include:

  • Hire and reward insurance

  • Uber Eats insurance

  • Deliveroo insurance

  • Just Eats insurance

  • Fast food delivery insurance

  • Pay as you go food delivery insurance

  • Takeaway delivery insurance

These are not just fancy names. Each policy is designed with a unique set of benefits catering to different needs of the delivery business. Your choice depends on whether you're a fast food business owner or a pay-as-you-go food delivery person. The key is to remember that your regular motor vehicle insurance is just the base - the food delivery insurance is a vital add-on, keeping your work trips secure and your wallet safe from potential expensive repair bills.

So, instead of pondering on 'how much is food delivery insurance?', realise its worth and make a pragmatic choice. Mind that the scope of coverage is as important as the cost. After all, you don't want to be a penny wise and a pound foolish, do you?

Legal requirements for food delivery drivers in the UK

It's crucial for you to be acquainted with the legality that surrounds your profession. Let's delve into what the law states for food delivery drivers in the UK.

It's imperative to know that food delivery insurance is a legal requirement for all UK food delivery drivers. It's not an option but a mandatory provision. Your standard motor insurance, also known as social, domestic and pleasure (SDP) policy does not cover food delivery business activity.

For those in the food delivery industry, you must have what is known as Hire and Reward insurance. It doesn't matter whether you're delivering food, shopping, or other goods - this insurance is essential. It additionally covers public liability should your driving cause damage or injury to someone while you're working.

If you're frequently asked "how much is food delivery insurance?", remember it's crucial to consider the scope of coverage and not only the cost. A multitude of factors determine the cost of your food delivery insurance policy.

If you're working less than 20 hours per week, some drivers have expressed finding value in pay-as-you-go hire and reward policies, even though they are offered by companies like Zego and MCE. However, it's worth noting that these only seem beneficial in comparison to full-time coverage.

When using a vehicle also intended for social, domestic and pleasure, you'll most likely need to extend your policy to cover your food deliveries. Some providers might not offer this, but it's recommended to contact your insurer to assess if this can be included in your policy.

Factors that affect the cost of food delivery insurance

A pressing question you might be pondering is "How much is food delivery insurance?". Well, it's important to understand that the cost isn't standard for everyone. A myriad of factors come to play when it comes to pricing your food delivery insurance in the UK.

One key component that's often overlooked is your driving history. Similar to your regular motor insurance, the cleanliness of your record greatly impacts your insurance cost. More blemishes equate to higher expenses in securing policies since insurers perceive you to have a higher risk profile.

As you'd expect, your age and driving experience are vital considerations as well. Statistically speaking, newer drivers or those who are younger tend to be more prone to mishaps.

That's why, if you're on the younger side or newly behind the wheel, you might find food delivery insurance fees to be steeper. However, with age and experience, insurance can become more affordable, given a squeaky clean driving history.

Now let's discuss your ride. The type and weight of your vehicle is greatly relevant. For instance, if your courier service utilises a vehicle weighing over 3.5 tonnes, a simple and cheap courier insurance will not cut it. Vehicles under this weight are categorised as Light Goods Vehicles (LGVs) and require a specific type of insurance.

Lastly, keep in mind that some insurance companies offer various perks according to your level of cover which might affect the cost. From courtesy vehicles during repairs, access to a nationwide repair network, roadside repairs and personal belonging cover, each policy varies. It makes the process of understanding food delivery insurance costs is complex and nuanced. It's beneficial to weigh all these factors before choosing an insurance package since the price reflects the scope and depth of coverage.

Despite all these influencing elements, it's crucial to remember that having food delivery insurance for your business in the UK is a legal requirement. Regardless of costs, protecting yourself and your business is the top priority. Installation of a proper cover ensures you won't get left in the lurch in the case of an unfortunate event.

How to find the best food delivery insurance cover

Navigating through the multitude of food delivery insurance options can seem like a daunting task. But, don't fret. It's important to know just how simple it can be, provided you're looking in the right places. Remember, your primary aim should be to find the best cover for you, taking into account factors such as your driving history, vehicle type and age.

One of the foremost strategies to score the perfect cover is comparing multiple food delivery quotes across the UK market. The rise in demand for fast food delivery has led to an influx of insurance providers, which in turn has created an opportunity for you. This competition among providers allows you to sift through varieties of quotes, enabling you to find one that matches your requirements and budget effectively.

An integral part of this quote searching process involves providing some basic information about yourself and your vehicle. This information primarily includes your vehicle type, specifications, and the level of cover you're looking for. Keep in mind that being claim-free and devoid of motoring convictions can considerably help push down your premiums. Thus, maintaining a clean driving record and steering clear of accidents significantly contributes to keeping your insurance costs down.

While it's true that insurance can be expensive, how much is food delivery insurance shouldn't be your sole focus while deciding. Yes, it's important that you compare quotes, but equally important is taking the time to understand what each policy offers. Whether through phone call discussions or detailed readings of each policy, understand that your coverage needs to be tailor made to your requirements. This is the time to ask any questions you might have about what covers need to be included in your food delivery insurance policy.

Finding the right food delivery insurance, thus, is not just about cost, but comprehending the different facets of coverage required for your unique situation. With the right info and the right approach, you'll be able to find a policy that's a perfect fit just for you.

Tips for lowering your food delivery insurance premiums

It's clear that Food Delivery Insurance isn't just a glowing suggestion for drivers in the UK, it's a necessity. Once you've understood that, how can you make sure it doesn't break the bank? Here are some strategies that could help you cut down insurance costs.

Communicate with Your Regular Auto Insurance Provider

Consider the fact about your SDP (social, domestic, pleasure) insurance provider. It's crucial to inform them about any modification concerning your vehicle use for food deliveries. If they are comfortable with a top-up (pay-as-you-go hire & reward) provider, then you are good to go. Else, you can risk voiding your entire policy, thereby adding unplanned costs to your insurance. Your SDP provider's consent will prevent unnecessary expenses.

Avail of Public Liability Insurance

Public Liability Insurance protects you and your courier business against third-party claims. In the food delivery business, minor accidents like damaging parked cars can inflate your insurance costs. So having Public Liability Insurance, which covers claims emerged from injury, property damage, or even death, can significantly reduce your premium.

Consider Breakdown Cover

Car breakdowns can be expensive, even for smaller issues like a flat tyre or a flat battery. Substantial issues increase costs exponentially. Therefore, having a breakdown cover in your insurance plan can be a cost-effective investment in the long run.

Understand Other Cover Types

Employers Liability Insurance covers you against legal claims if you employ others for delivery jobs. In contrast, Personal Accident Insurance covers any personal injuries you might sustain while performing deliveries. Incorporating such cover types in your insurance plan can work as a safety net against unforeseen expenses.

Asking the question 'how much is food delivery insurance' isn't quite as simple as it seems. It's better to understand your needs, seek professional advice and shop around. Tailoring your insurance policy to suit your unique circumstances is key to lowering your premiums.


So you've seen the ins and outs of food delivery insurance costs in the UK. It's clear now that standard motor insurance isn't enough if you're in the food delivery game. You need that extra layer of protection that food delivery insurance provides. Remember, without it, you could be left with hefty repair bills. It's not just about coverage for SDP usage, but also for your food delivery work. And the good news? It's available at a reasonable price. But don't stop there. Keep those premiums low by talking to your auto insurance provider and considering options like public liability insurance and breakdown cover. Tailor your policy to fit your needs. It's about safeguarding your livelihood without breaking the bank.

Frequently Asked Questions

Do I need food delivery insurance if I am already covered by standard motor insurance?

No, standard motor insurance does not offer adequate cover for food delivery drivers. It could leave drivers responsible for costly repair bills, if an accident occurs. For complete protection, special food delivery insurance is necessary.

Why is food delivery insurance costlier than standard motor insurance?

Food delivery insurance is expensive due to the high accident rates among food delivery drivers. This is especially pronounced amongst younger drivers, particularly those below 23 years of age.

Is SDP Insurance enough for a food delivery driver in the UK?

No, a standard social, domestic & pleasure (SDP) policy does not cover food delivery work. A specialised food delivery insurance, which provides comprehensive coverage for both SDP use and food delivery work, is mandatory.

What type of insurance is necessary for delivering for Uber Eats in the UK?

For Uber Eats delivery in the UK, specifically designed food delivery insurance is necessary. The policy needs to cover the driver for business usage, over and above SDP usage.

What is the cost of Zego's delivery insurance per hour?

For scooter riders, Zego charges 70p per hour for insurance. It can be lowered to 50p per hour if SDP insurance is also taken out with Zego. For car delivery drivers, hourly rates range from £0.80 to £3.00, based on personal circumstances.