Food Delivery Driver Insurance FAQs

What insurance do I need to deliver food?

Whether it’s pizza, curry or restaurant meals you’re delivering, you’ll need more than the standard “social, domestic and pleasure” car insurance policy if you’re being paid to deliver food.

Personal car insurance policies generally exclude use of the vehicle for “hire and reward” and, if this additional cover is available from your current insurer as an add-on, it’s likely to be expensive. This is why you should shop around for a specialist courier insurance policy.

You may also want to consider the following too:

• Goods in transit insurance: You are responsible for the goods that you carry. Including goods in transit insurance as part of your policy will insure you against any kind of loss or damage that could happen while transporting goods.
• Public liability insurance: This covers you against third-party liability whilst you’re working. You may be able to add this to your courier insurance policy if it’s not included as standard.
• Breakdown cover: The longer your vehicle is off the road after a breakdown, the longer it is before you’re earning money again.
• Mobile phone insurance: Those delivering for services like UberEats or Deliveroo will be reliant on the app on their phone. If you’re phone breaks or is lost, it’s likely you’ll want a repair replacement as quickly as possible.

How much does food delivery insurance cost?

Food delivery insurance is likely to cost more than your usual personal “social, domestic and pleasure” car insurance policy due to the additional risks associated with a multi-drop driving job. However, by shopping around and using specialist broker services, you should be able to save money.

How do I get a food delivery insurance certificate?

Once you buy a policy, you’ll either be sent your Certificate of Insurance in the post or often you’ll be emailed a PDF copy which you can print or file as proof of your insurance.