Compare Fast Food Delivery Driver Insurance Quotes

A guide to fast food delivery driver insurance

The food delivery service sector in the UK has continued to expand in recent years, with no sign of letting up. It is part of the ‘on demand’ services the public expects from the UK food sector. Delivering food by car, scooter or motorbike is an attractive side hustle for many. However, standard car insurance or even business car insurance does not provide the correct legally required level of insurance to delivery food or other items.

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What is Food Delivery Insurance?

Fast food delivery Insurance falls under the category of courier insurance. This type of insurance covers the delivery vehicle and can also include the contents or items being delivered. Business insurance for food delivery is a legal requirement. Providing a delivery service using only standard car insurance is effectively driving without insurance. Food delivery insurance should not be confused with commercial car insurance or business car insurance, food delivery driver drivers need insurance specific to using a vehicle for hire and reward.

What are the Types of Food Delivery Vehicle Insurance?

All motorised vehicles are required to have at a minimum of Third Party Insurance. For food delivery vehicles, the minimum is Third Party Courier Insurance. This covers the vehicle along with the food items being transported. The types of vehicles that require this minimum cover include cars, vans, motorcycles and scooters.

5 Ways to Reduce the Cost of Car Food Delivery Insurance, UK

• 1. Vehicle Size :  In general, smaller vehicles will smaller engines will cost less to insure.  However, another important factor is the actual cost of the vehicle and average repair costs associated with the vehicle manufacturer. Think BMW and luxury cars that have a relatively poor reliability coupled with high maintenance costs.
• 2. Delivery Area : Some areas of the UK, in particular inner city areas, pose a higher risk to insurance companies. If your vehicle is registered in a high risk post zone, expect to pay premiums that are slightly higher.
• 3. Install a Black box  : This is particularly effective for a young food delivery driver, by providing proof that you are a lower risk driver, the insurance company will reward you with future discounts.
• 4. Increase Excess : Vehicle delivery insurance comes with an excess, the amount you would be held liable for in the event of an accident that is not covered by a third party. Speak with your broker on how you can achieve a better deal by increasing the voluntary excess. Make sure you are comfortable paying out the agree amount in the vent of a claim.
• 5. Pay as you go : This option is becoming widely available and if you only work a few hours per week to supplement your income look for a policy that is only activated whilst you are actually on the road providing the delivery service and getting paid.

What is Pay As You Go Courier Food Delivery Insurance?

This is a food delivery insurance policy that is only activated when the delivery driver is actually using his or her vehicle for the delivery of food. This can be an add-on to a regular vehicle policy when permitted by your insurance company. The biggest limit is that the driver can only make deliveries for 20 hours a week or less. If you are considering working for Deliveroo, find out how much you can expect to earn as a Deliveroo driver in our guide to Deliveroo pay rates.

The costs of pay as you go food delivery insurance can vary. A current rough estimate would be between from £0.80 to £3.00 an hour. 

For those drivers that operate more than 20 hours a week, there are 30 hours per week pay as you go courier food delivery insurance. This type of policy costs from £122 to £350 a month

Fast Food Service Methods

Why is Food Delivery Insurance so Expensive?

Food delivery insurance will be more expensive than standard car insurance because you are using your vehicle to provide a delivery service, which introduces extra risk to the insurance company.  The key reasons why delivery drives pose an increased risk include:

Driving Without the Correct Insurance Can Lead to A Conviction

If your vehicle is involved in an accident whilst you are providing a delivery service, the claim will be rejected by the insurance company if you do not have the correct level of insurance. In monetary terms, this means that you be responsible for all the associated costs of the accident. In addition, from a legal perspective you will be driving without insurance, which can lead to a driving conviction.

• If you are hired as a delivery driver and use your own vehicle, you need to contact your insurance agent and add food delivery insurance to your existing policy.
• Some employers do provide hire and reward coverage for their drivers. Before being hired, check if your new employer will cover your vehicle while you are working for them.

Get Multiple Quotes For FAST Food Delivery Insurance Now!

A huge demand exists for fast food delivery insurance associated with the UK food industry. Many brokers now offer this type of cover, Admiral food delivery insurance is one of the better known providers. We can help you in your journey by provided you with multi comparative quotes when you complete one easy online form,

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