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A Guide to Food Delivery Fleet Insurance

By from the MultiQuoteTime Editorial Team - Feb 20243

Food delivery fleet insurance is a type of insurance specifically designed for businesses that operate a fleet of vehicles primarily for food delivery purposes. This insurance coverage is tailored to the unique risks associated with food delivery operations, such as the potential for accidents, food spoilage, theft of food or vehicles, and liability issues.

This type of insurance can be tailored to the unique needs of your food delivery businesses model and often provides cost savings compared to insuring each vehicle individually.

In order to get the best deal on food delivery fleet insurance or indeed any insurance product, it’s vital that you compare quotes from a wide range of providers

We can provide you with access to a range of quotes from a panel of UK fleet insurance brokers that are able to tailor polices to you or your business's individual requirements.

Cover available for all types of delivery vehicles (scooters, bikes, cars and vans )
Polices can be tailored to your unique food delivery business requirements
Flexible payment options
One short form – save time & money
All Fleet sizes from 2 removal vehicles upwards.
Specialise any driver fleet insurance available with constraints to lower costs

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What are the the levels of cover available?

There are three major levels of cover for food delivery vehicle fleets, which includes:

Third Party Only : This is the minimum level of cover required by the law. Third-party-only insurance will offer protection for damages you causes to the third party vehicle or property
Third Party Fire and Theft : This level of cover offers all protections in the third party only, plus additional coverage for any damage to your delivery fleet caused by fire or theft.
Full Comprehensive : Consider this the highest level of coverage, which includes everything in the previous cover levels plus protection for damages to your own fleet, even if you or one of your drivers are responsible.

Insurers providers will also offer you the option of adding on extra features to increase protection, these are optional. Popular add-ons include:

Breakdown Cover : If your fleet vehicles are new, they may already have breakdown cover included in the first 2 or 3 years.
Uninsured driver promise : This cover will protect your no-claims discount and reimburse any excess reimbursed if you’re involved in an accident with an uninsured driver.
Goods in transit – insures any goods you are delivering or transporting.

key features of food delivery fleet insurance in the UK:

Below are just are some key elements that can be included in a removals fleet insurance policy in the UK:

Removal Vehicle Coverage: This covers damage to the insured vehicles resulting from accidents, collisions, theft, vandalism, fire, or other covered perils. Coverage may vary depending on the type of policy (comprehensive, third-party, or third-party, fire, and theft).
Liability Coverage: Third-Party Liability: Covers bodily injury or property damage to third parties caused by the insured vehicles.
Goods in Transit Coverage: Protects the goods or furniture being transported by the fleet vehicles against damage, loss, or theft.
Fleet Management Tools: Some insurance companies may offer additional services or tools to help manage the fleet more efficiently, such as telematics systems for vehicle tracking, risk management advice, or driver training programs.
Legal Expenses Coverage: Helps cover the costs associated with legal disputes, including legal representation, court fees, and other legal expenses.
Uninsured/Underinsured Motorist Coverage: : Protects the insured vehicles and occupants against damages caused by uninsured or underinsured drivers.
Employer's Liability: Covers bodily injury to employees arising out of the course of employment, where applicable.

It's important to carefully review your removals fleet insurance policy and ensure that it adequately covers your vehicles, operations, and potential liabilities. Any limits, constraints, deductibles, and exclusions should be clearly understood to avoid any surprises in the event of a claim.

Factors that Impact the costs of food delivery Fleet Insurance

Lowering the cost of food delivery fleet insurance quotes entails taking steps to lower your risk of insurance claims. As potential payouts can be very significant, it is important and in some cased the insurance company will mandate that you follow strict guidelines in lowering the risk of accidents. Some of these areas include

Security: When not on the road can you offer secure parking or better still off-road parking. Can you agree on adding additional insurance approved security devices, for example tracking devices.
Drivers: If possible avoid young or inexperienced drivers as this will increase risk and the costs of fleet deliver y cover.
Implement Regular Training : Accidents happen, if you notice a trend consider the cause and implement training or take action to promote a higher degree of driver responsibility. Example, award drivers that do not make claims. Maybe extreme, but you could make drivers responsible for the vehicle excess amount or a percentage of.
Voluntary Excess amount : the amount you or the business will take responsibility for in any claim. Increasing this will normally reduce your annual policy. Speak with your broker on this option.
Over 25 : Policies that are strictly over 25 will be cheaper than an over 21 policy. Remember, you may be able to separate out the higher risk drivers as named only drivers. So you may opt for any driver multi van policy that stipulates that all drivers must be over 25 and under 75. Drivers that do not qualify or meet these conditions could be added as named drivers.
Named Only: Type of policy, named, or any driver and driver restriction imposed in the policy.
Multiple Quotes : Like any purchase, you will need to do some upfront research to help find the best quote that meets your requirements and is also affordable.

Food delivery fleet insurance policies can be customised to meet the specific needs and risks of your food delivery business model, whether you operate a small fleet of vehicles for local deliveries or a larger fleet serving multiple regions of the UK. It's important to work with an experienced insurance provider who understands the unique challenges and requirements of the food delivery industry to ensure you have adequate coverage to protect your business and assets.

Time to get food delivery fleet insurance quotes?

As our name suggests, we can provide multiple quotes for removals fleet insurance. Simply click the Get Quotes option below and fill in a quick form to get access to multiple quotes. Then all you have to do is pick the best one!