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Guide To Just Eat Food Delivery Insurance

JUST East Delivery insurance
By Eamonn Turley
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Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.

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Nov 2023

As a Just Eat food delivery driver, your work involves a great deal of risk. Due to the time pressure to transport food while it is still warm, the multiple stops at unfamiliar locations, odd working hours, and long periods on the road, insurance providers categorise food delivery drivers as a job class that's more prone to road accidents. For this reason, as a Just Eat courier, you are required to have a specialised insurance known as food delivery insurance, referred to as hire and reward insurance by insurance companies

What insurance do I need for Just Eat delivery?

If you work as a salaried employee for Just Eat, you can use the company's mopeds and eBikes, and they come with insurance coverage provided by Just Eat, so there's no need to purchase separate vehicle insurance (but you may need other types of insurance such as a personal accident or illness cover). However, if you work as an independent contractor, you'll need hire and reward insurance for delivery driving. In this case, there are two options available to you, which includes:

  • Obtaining a new policy that covers both your commercial and personal driving (usually sold as 30-day contracts or annual policies)
  • Getting top-up (PAYG delivery insurance) coverage to supplement your existing personal motor insurance for your delivery driving

To ensure coverage for your food delivery work, it's essential to possess Hire & Reward (H&R) insurance since your standard Social, Domestic & Pleasure (SD&P) insurance won't protect you and your vehicles during your job activities. SD&P insurance is designed for personal driving, such as trips to the store or visiting friends, while food delivery insurance offers sufficient coverage to you whether you work with Just Eat, Deliveroo, or Uber Eats, or you operate independently. Different providers may name this policy differently, so you need to look out for terms like food delivery insurance, fast food delivery insurance, food courier insurance, and Just Eat delivery insurance.

How much does Just Eat Insurance cost?

Prices for Just Eat Insurance differ with providers and some factors like vehicle type, driver history, age, and more. Based on your vehicle type, you may get the following costs:

1. Scooter insurance for delivery driving:

  • From £50/month or £1,000/year, covers SD&P and delivery.
  • Top-up hire & reward insurance for delivery: From around 50p/hour. However, this requires a separate SD&P policy for personal driving.

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2. Car insurance for delivery driving:

  • Typically starts at around £1,000 per year.
  • Just Eat Car Insurance quotes are mostly between £1,900 and £2,300, including SD&P.
  • This is roughly 4 times the UK average car insurance cost for personal and commuting use.
  • Top-up hire & reward for a car: From 80p/hour, covers only delivery driving.

What happens if I get caught without food delivery insurance?

Food delivery insurance is a crucial legal requirement to maintain safety and regulatory compliance within the food delivery industry in the UK. So, if you're caught without food delivery insurance, you may face criminal charges, fines, penalty points, and potential vehicle impoundment.

Before choosing a Just Eat Food Delivery courier Insurance provider, it is important to compare quotes, as having access to multiple options should help guide to finding the best deal. 

Need food delivery insurance? Compare quotes with MultIQuoteTime today.

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