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Fast Food Delivery Insurance

Food delivery insurance for types of vehicles covering business hire and reward

Fast Food Delivery Insurance UK Price Comparison
Fast Food Delivery Insurance UK Price Comparison

Get a Fast Food Delivery Insurance Quote

Completely free Takes less than 3 minutes

Car Food Delivery Insurance

Van Food Delivery Insurance

Delivery Rider Insurance

Hire & Reward Insurance

Motorbike Food Insurance

Compare a number of different specialist brokers who deal with fast food delivery insurance.

Fast food delivery insurance is a hire-and-reward insurance policy, which is a legal requirement if you are delivering food, parcels or any other products for the purpose of making money from it as a business. Find the most competitive policy to suit your needs today by filling out the form above and letting us help you get covered.

Fast Food Delivery Insurance UK Price Comparison

What is Fast Food Delivery Insurance?

What is fast food delivery insurance, this type of insurance covers delivery drivers who either works either full-time or part-time delivering for apps like Just Eats, Uber Eats, Deliveroo or even your local take away restaurant, this type of insurance is a specific policy designed to cover delivery drivers and their vehicles when delivering food to customers. this type of insurance consist of couriers hire and reward insurance designed for the delivery drivers and cover a number of areas policy will cover the whole vehicle in the event of an accident or incidents, fast food delivery insurance is mainly aimed at car delivery drivers which can be used for other vehicles like vans and scooters.

Fast Food Delivery Hire and Reward Insurance Policy Can Include:


Flexible Monthly Payments


24hr Claims Helpline


Windscreen Cover


Accident Support / Replacement Vehicle


No Claims Discount / Protected NCB


Hire & Reward Cover


Introductory Prices


Comprehensive Cover

Fast Food Delivery Insurance UK Price Comparison

Fast Food Delivery Insurance FAQs

Do I need fast food delivery insurance?

Fast Food Delivery Insurance is essential if you’re using a vehicle to deliver food in the UK. Regular vehicle insurance may not provide adequate coverage if you’re using your vehicle for business purposes, such as delivering food. Fast Food Delivery Insurance is a type of Hire and Reward insurance which covers you for carrying other people’s goods in exchange for payment.
Without the appropriate coverage, you may find yourself personally liable for any damages or accidents that occur while you’re delivering. This can potentially lead to substantial financial losses. Additionally, driving without the correct insurance is illegal and can result in fines, penalty points, or disqualification from driving.
Furthermore, you may need Employer’s Liability Insurance if you’re employing other people to deliver food. This insurance is mandatory in the UK and can cover compensation and legal costs if an employee becomes injured or ill due to their work. So, to ensure your business is protected and compliant with the law, securing the right insurance is crucial.
Before finalising any insurance policy, consider seeking advice from a professional insurance broker to ensure your coverage meets your specific needs.

fast food delivery Insurance

What insurance do you need for food deliveries?

If you’re making food deliveries, there are several types of insurance that you should consider:

  1. Vehicle Insurance: This is the most basic type of insurance you need, as driving on public roads in the UK is legally required. You should get a commercial vehicle insurance policy if you’re using your own car for business purposes, such as food deliveries. Personal car insurance policies typically don’t cover commercial activities.
  2. Hire and Reward Insurance: This is a type of vehicle insurance specifically designed for people who use their vehicles to transport goods or passengers in return for payment. It covers the goods being transported (in this case, food) in case of damage or loss.
  3. Goods in Transit Insurance: This type of insurance covers the goods (food) you’re transporting in case they get lost, stolen or damaged while they’re in your vehicle.
  4. Public Liability Insurance: If you’re running a business, this type of insurance can cover legal costs and compensation payments if a member of the public (such as a customer) sues you for injury or damage.
  5. Employer’s Liability Insurance: If you employ other people to make deliveries, this type of insurance is a legal requirement in the UK. It covers you if an employee gets injured or falls ill as a result of working for you.
  6. Personal Accident Insurance: This can cover you for any personal injuries you might sustain while making deliveries.

Remember, the exact type and amount of insurance you need will depend on your individual circumstances, including the nature of your business, the type of vehicle you’re using, and whether you employ other people. It’s always a good idea to talk to a professional insurance broker or advisor to make sure you’re properly covered.

Different types of fast food delivery insurance

Several types of insurance may be relevant. Different policies can protect various aspects of your business, from your vehicle to your employees. Here are the key ones:

  1. Hire and Reward Insurance: This type of vehicle insurance covers you when you use your vehicle for business purposes, such as delivering goods (in this case, food) in exchange for payment. It is more specific than standard car insurance, covering the goods you’re transporting.
  2. Goods in Transit Insurance: Although Hire and Reward Insurance may cover the goods transported, it might provide little coverage. Goods in Transit Insurance can offer additional protection, covering the food you’re transporting if it gets lost, stolen, or damaged.
  3. Employer’s Liability Insurance: This insurance is legally required if you have employees working for you. It covers you if an employee gets injured or falls ill because of their work.
  4. Public Liability Insurance: This can protect your business against claims from the public for injury or damage caused by your business activities.
  5. Commercial Vehicle Insurance: If you use your vehicle for food delivery, your vehicle insurance might not cover you for business use. Commercial Vehicle Insurance, however, provides the necessary coverage.
  6. Personal Accident Insurance: This insurance can cover medical and hospital costs if you or your employees get injured while making deliveries.

It’s always advised to seek professional advice from an insurance broker or advisor to ensure you have the right coverage for your specific circumstances.

Getting the right courier cover

If your business involves you driving a vehicle for dispatch or delivery, you’ll need to consider courier insurance. If you think it’s too expensive, don’t worry, mymoneycomparison has you covered. We compare courier insurance in a detailed manner so that you have access to cheap courier insurance and you can make your pick from a wide array of courier insurance options. This will ensure proper coverage for your courier business in case you’re involved in an accident or if your vehicle is damaged or stolen.

Will one policy cover my fleet of commercial vans?

Normally, for 5 vans and below, you need a separate courier insurance quote for each vehicle. However, if your fleet exceeds this number, get a single commercial fleet insurance policy to cover all vehicles.

Will the size of my vehicle make a difference to my insurance?

If the vehicle you use for your courier service weighs above 3.5 tonnes simple cheap courier insurance will not suffice. Other vans and vehicles that weigh less than this stipulated weight are classified as light goods vehicles (LGVs).

What is included in the Fast Food Delivery Insurance?

Some courier insurance businesses offer you various perks according to the level of your cover. Others don’t. get a cheap courier comparison here to have more information on the courier insurance quotes. Generally, the offer includes;

A courtesy vehicle whenever your vehicle is undergoing repairs at one of the approved garage. You can also get access to a nationwide repair network and this includes roadside repairs. For some cheap courier insurance, repairs are also guaranteed. Some premiums also provide covers for drivers’ personal belongings. Also, you won’t get confused about fast food courier insurance.

What is fast food or take away driver insurance?

Fast food delivery insurance is a specific policy designed to cover drivers and their vehicles when delivering food to others. Often bought by Uber eat drivers and the like, a fast-food insurance policy will cover the whole car in the event of an accident or incident.

Do I need special insurance to be a delivery driver?

To be properly covered and work within the law, you will need to ensure that you have fast-food delivery driver insurance. Hot food delivery insurance is a special form of hire and reward insurance. … Most mainstream insurance providers won’t cover takeaway drivers because of the risks associated with the role

Do you need extra insurance to deliver food?

It is often assumed that food delivery drivers will obtain their own insurance when using their own vehicle for deliveries. However, standard private motor insurance policies do not usually cover the drivers’ business use of their vehicles – typically they will only provide cover for social, domestic and pleasure use.

Does my car insurance cover fast food delivery?

For most takeaways, it’s essential that their delivery drivers have their own vehicle to use. It’s a mistake that could cost your job, hundreds of pounds in fines and even your driver’s license; your standard car insurance does not cover you for delivering fast food…even if you have ‘business use’ added to your policy.

What are the benefits of fast food delivery insurance?

If your business is heavily based on vans delivering or picking up goods, having courier insurance will save you from shutting down due to lost, stolen, or damaged goods, vehicle repair costs, etc. Courier insurance will protect your business and materials that you’re sending from one place to another.

What type of insurance does a courier need?

There are three different types of courier insurance these are:

Courier vehicle insurance – Whether you use a car, van or small lorry, you depend on your vehicle more than anything else whilst at work. So in order to keep your business moving, you will require some sort of courier vehicle cover. This is where a company like mymoneycomparison.com can help by shopping and comparing a number of providers for a competitive quotation on your behalf. Call our team of experts today on 0333 006 9438 or fill in our online form here.

Public liability insurance – can cover couriers against legal costs and compensation payments as a result of injuries or property damage to your clients, contractors or members of the public which is caused by you or one of your employees.

Goods in transit insurance – covers the goods that are being delivered from one place to another. If you are a courier, haulier or even a furniture remover then you are taking possession and responsibility of items for delivery.  This also means you have a duty of care to the items that are being delivered if they are stolen, lost or damaged then the owner of the goods will want compensation for this value.  To have Goods in Transit (GiT) insurance means you are covered for this loss.

Does being a delivery driver increase insurance?

If you’re using your own car to deliver food, you’re probably not covered under your personal auto insurance policy. Car insurance companies charge higher rates for business use because they deem it to be more high-risk than personal use because delivery drivers are more likely to get into accidents and file claims

What insurance do I need to deliver takeaways?

Drivers must extend their private car insurance policies with hire and reward cover, in a similar fashion to a taxi or courier. Hire and reward use covers a driver’s liability when something is delivered from one place to another for a fee, including when delivering food

Do I need hire and reward insurance?

Hire and Reward Insurance is essential for couriers, hauliers, taxi drivers, furniture removers and anyone who carries people or the property of others in exchange for a fee. … However, even if you only carry goods you own as part of your job, you will still require a business to use insurance

Does food delivery have insurance?

The answer is yes that you need to have Hire & Reward (H&R) insurance in place to cover your food delivery work because your standard Social, Domestic & Pleasure (SD&P) insurance will not cover you for activities like this. Your SD&P covers your personal driving, like driving to the shops or visiting a friend

What Insurance Do I Need To Be A Courier

Courier insurance is designed for when you are working with multiple-drop deliveries and will cover you in the event that your commercial vehicle is involved in an incident or accident. You may be involved in transporting anything from the ‘traditional’ courier goods such as packages and parcels, or transporting electronics and even essential medical supplies to multiple locations on a time-sensitive basis.

You will need to find a different kind of insurance if you are dealing with single-drop deliveries such as takeaways and haulage, and for taxi firms. You might not realise this, but courier insurance might be necessary if you use your personal car to deliver time-sensitive parcels part-time. However, your private car, motorbike or van insurance – even if you take out Class 1 Business use – will not protect your work as a courier.
If you manage a fleet of courier vehicles, we can help you find the best possible cover for the risks your business faces. We can even advise you and help you find telematics devices that will help you keep the costs down.

What insurance do I need to deliver takeaways?

Drivers must extend their private car insurance policies with the purchase of a hire and reward use, in a similar fashion to a taxi or courier. Hire and reward use covers a driver’s liability when something is delivered from one place to another for a fee, including when delivering food.

Does food delivery need insurance cover?

The short answer is that you need to have Hire & Reward (H&R) insurance in place to cover your food delivery work because your standard Social, Domestic & Pleasure (SD&P) insurance will not cover you for activities like this. Your SD&P covers your personal driving, like driving to the shops or visiting a friend.

Will Fast food Insurance cover me if I work for Uber Eats, Deliveroo or Just Eat?

The simple answer will be yes if you drive a car, van, scooter then all you would need is courier hire and reward insurance or extended addon insurance onto your existing car insurance policy for hire and reward.

What influences the cost of food delivery insurance?

Much like with any policy, prices will vary and some will be cheaper than others. Some of the factors that will influence the cost of fast food or take away delivery driver policies include:

  • Your personal driving record and history. If you have driving convictions, you’re likelier to find it harder to come by low-cost quotes and if you have a lengthy no-claims period, you’re likely to find better value quotes
  • The excess you’re prepared to pay
  • The type of cars / other vehicles you want to insure
  • Typical working hours (if you plan to work late at night when the chances of accidents statistically increase, prices may be higher)
How much is fast food delivery insurance?

The cost of fast food delivery insurance can vary widely depending on several factors, including the specific insurance provider, the type of coverage you need, the location of your business, the number of delivery drivers, and the value of the vehicles involved. Additionally, insurance rates may change over time due to market conditions and other factors.
To get an accurate quote for fast food delivery insurance, it’s recommended that you contact insurance providers directly or use their websites to request quotes. Be prepared to provide detailed information about your business, including the number of delivery drivers, the type of vehicles used, the area of operation, and any additional coverage options you may require.
Insurance premiums can fluctuate significantly based on your unique circumstances, so it’s essential to shop around and compare quotes from multiple insurance companies to find the best coverage and rates that suit your needs and budget.

How To Get A Quote

It shouldn’t take too long to compare courier insurance quotes. You can get it done in minutes. Simply provide us with your information and we will give you a cheap courier insurance comparison to get started. Start a quote here. or call 0333 006 9438

Whether you’re looking for courier van insurance or delivery driver insurance, we can provide you with options to choose the cover you and your job requirements.

Our highly experienced team of courier insurance specialists work with the top courier van insurance brokers so you have a variety of options. Get your Fast Food Delivery Insurance quote today

Get a Fast Food Delivery Insurance Quote Today

Completely free Takes less than 3 minutes