Uber Eats Insurance

All food delivery Inc. Uber Eats & Deliveroo, Easy Form for multiple quotes

Policies and deals from industry leading insurance providers, including

Tailored quotes from a panel of food delivery insurance specialists

Uber Eats Approved Insurance

By Eamonn Turley
img
Eamonn Turley Insurance Expert

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.


Expertise: Digital Marketing, Insurance, Home Insurance, Vehicle Insurance, UI Design
from the MultiQuoteTime Editorial Team - Fact checked

The team at MultiQuoteTime will fact-check content to ensure accuracy at the time of writing. In addition, we also review and update content on an ongoing basis. We aim to keep the content fresh and useful. If you are considering applying for any of the products, please take note that it is important that you read the terms and conditions that are applicable.

April 2024

Uber Eats insurance is not a typical car insurance policy, but a policy that covers you for providing a hire and reward service, in this case food delivery. It is important to have the correct insurance that covers your activities whether working for Deliveroo, Uber Eats or other food delivery service. Without the correct type of cover, you risk being held responsible for any costs if involved in an accident and your existing insurance company may terminate an existing policy.  Without this rider or type of policy, no claims will be honoured if the vehicle is involved in any type of accident that occurs during the delivery process.

With today’s on-demand lifestyle in full swing, fast food delivery driver policies are the most popular and numerous. This allows for college students to deliver food in their spare time as a part-time driver, along with full time drivers who make a living at it.

Uber Approved List of Insurers

Uber have issued a list of approved insurance providers that provide instant documentation, also  referred to as the Uber instadoc approved insurance providers. Uber state that you are free to choose your insurance provider, but highlight the approved list for providing flexibility in providing, hourly, weekly, monthly and annual policies. The approved list currently include:

The instadoc process enables Uber to collect insurance information direct from the above list of Uber approved insurance providers. This saves paperwork on both sides, no more manual downloading and uploading to the Uber App. The instadoc has built in verification, removing the need for manual verification. The system makes everything automatic, making the above list of insurance providers "approved by Uber".

What are Uber eats insurance requirements?

To work as an Uber taxi or an Uber East delivery driver, you will legally need a type of insurance that is referred to as hire and reward insurance.  Hire and reward insurance is an addition level of insurance that is NOT included in standard car insurance. As you are using your vehicle to provide a delivery service, you are seen as higher risk than if you only use your vehicle for social and domestic use and occasional business use

Whilst not a legal requirement, public liability insurance will provide with protection against claims from third parties. These are claims against you or your business for personal injury or property damage and theft. Claims awarded for personal injury can be huge, so having a good level of PL insurance will safeguard you financially.

Levels Of Uber Eats Insurance Available?

Comprehensive cover offers Ubereats drivers the best protection if involved in a road incident. Third party offer the least cover and is also viewed by many as the cheapest option. Multiquotetime research uncovered that insurance companies have been increasing the cost of third party cover. The reason for the increase is that holders of third party cover made more claims than holders of comprehensive cover. As such, it is always worth comparing quotes across all levels of cover.

Third party

Third party Uber food delivery insurance provides the minimum level of cover required by law. This level of covers compensation for costs incurred by the third party, These are typically repair or replacement of other peoples, injury and damage to property

Third party Fire and Theft

This level of cover provides minimum third party cover, but will also pay out for the repair of your own vehicle if it’s damaged by fire or for the cost of replacement if it’s stolen.

Comprehensive

This level of cover includes all of the above plus cover for any damage to your own vehicle, even if you were at fault. Fully comprehensive policies. 

How can I find cheap Uber Eats Insurance?

Whilst exhaustive searching will help you in your quest to find cheap Uber Eats insurance, you can also take some practical steps to help you reach your goal of finding more affordable cover and make savings. Some of these will apply to pay monthly car insurance and other types of insurance products

  • Avoid Modifications : Modifying any vehicle can have an impact in the cost of insurance, before making any changes, check with your insurance company first. Multiquotetime has found that modifications that improve performance can result in a significant increase in insurance cost. Any change to the vehicle, even adding a tow-bar is considered by the insurance company as a modification. 
  • Increase The Voluntary Excess : This applies to most insurance policies, accepting a higher voluntary excess will help reduce the cost of any policy, but keeping mind that you will be responsible for this amount if you are at fault and make a claim. Best to set aside the agreed amount in a quick access savings account and earn some interest.
  • Safe Driving :  Practice safe driving as this will help lead to fewer accidents that are attributed to you and will result in a good claims history, or rather a history of few claims.
  • Improve Security : Consider adding a tracking device, parking off-road these simple steps can help reduce the risk to the insurance company and the resulting Uber eats delivery insurance premium should be discounted.

Top tip from Multiquotetime is to compare multiple quotes from different insurance companies. Multiquotetime has found that insurance risk calculation varies from across different insurance quotes, with one company quotes double that of another! 

What type of insurance is best for a person doing this part time?

For those that plan on delivery food for 20 hours a week or less, an affordable way to do it is with pay as you go food delivery policy.  This is also a good way to keep the premiums down since it is not always active.

Pay as you go requires the driver to already have vehicle insurance. This can be third party, third party fire and theft or comprehensive. 

This type of policy is only activated when the vehicle is being used to deliver food. To keep accurate records of when the courier insurance is active, a telemetric device is installed in the vehicle. This tracks the following info when the app from the insurance company is activated by the driver.

Delivery driver insurance
  • Location of the vehicle.
  • The time the delivery begins and ends.
  • The location the delivery will be made.
  • The speed the vehicle travels in making the delivery.
  • How the driver operates the vehicle like accelerating and braking.

Normally for this type of rider on a policy a deposit must be made along with a direct deposit link to the insurance company so when the balance drops below a predetermined limit, more is automatically withdrawn. The rate of insurance will be calculated either by the mile or per hour. This type of policy has also become known as Uber Eats Insurance.

What insurance do delivery drivers need

Delivery drivers need an insurance policy that is referred to as hire and reward insurance. If you work for Uber Eats, then you require Uber Eats insurance. This type of policy can have a set premium amount paid monthly, quarterly or annually. It will also include the rider for food courier hire for reward cover.

What is so important about the hire for reward add-on?

For both the part-time and full time delivery driver, the Hire For Reward section is where the public liability cover is present. This is financial protection if a third party claims you caused them harm or damage to their property. It also covers the food being delivered if it is damaged in the delivery process due to a vehicle accident or other problem the courier might have during the delivery process.

What will happen if I do not take out uber eats delivery insurance

If a delivery driver does not have the hire for reward rider or add-on to their vehicle policy and is involved in an accident or incident while making a food delivery, it is like having no insurance at all. No claim will be accepted by the insurance company who holds the vehicle insurance policy.

The reason for this is, delivering food is considered a higher risk that just covering a standard vehicle on the road. If a delivery person is caught without the proper insurance, they could lose their driving licence and be held accountable financially for all the damage that has occurred.

Most food service delivery companies and those restaurants that hire contract delivery drivers require the driver to have the correct insurance cover. By having the Uber Eats delivery insurance, you will have the correct cover for food delivery in the UK.

How MultiQuoteTime helps find uber eats delivery insurance

Competitive Uber food delivery insurance deals

Polices are available for all types of Uber food delivery drivers using vans, cars, motorbikes, mopeds, scooters, or bicycles.

Fast, relevant results

Get quotes, fast. The forms are designed to be completed quickly and ask just for sufficient details about yourself required to, allowing the panel to tailor quotes to suit your circumstances as a delivery driver.

Independent and impartial

Multiquotetime is not affiliated to any one insurance provider, quotes are provided by a panel of specialist giving you a comparison service, helping you find a policy that meets your requirements at the best prices.

Compare Uber Eats Insurance

If you work full or part-time as an Uber Eats food courier, you need food delivery insurance. This type of delivery service is in high demand. Apps like Uber are leading the way in the delivery of hot, delicious meals from local and top restaurants. If you are considering earning extra income by becoming an Uber eats driver, you’ll need special insurance whilst at work. The panel can help you by providing a range of quotes. These quotes are tailor to your exact requirements.

Scroll to Top