The number of food delivery apps has given us two opportunities. Firstly the choice and on demand service means our favourite takeaway is zipping its way to our door at times in a matter of minutes.
Secondly, delivery apps has created a fantastic opportunity for people to work in the industry delivering food or parcel on a flexible part or full time basis.
If you’re excited by the opportunity to work as a delivery driver, the chances are you are going to need insurance, unless you decide to rent a moped with insurance included.
so here is everything you need to know about what delivery insurance policy you need, as well as the best companies that offer insurance.
Knowing the difference between food Delivery insurance and normal vehicle cover can be confusing.
But if you are planning on working for Deliveroo, Ubereats or Justeat you are going to need the correct insurance in place which covers you for food delivery. This type of cover is called Hire and Reward Insurance.
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What is Hire and Reward Insurance?
It is probably important to discuss first the insurance we are all use to hearing about which is called Social, Domestic and Pleasure (also known as SD&P).
An SD&P policy is what you may have on your car or motorcycle currently, and covers you for everyday activities such as going to the shops or visiting friends.
A Social Domestic and Pleasure insurance policy does not cover you for work you do with Deliveroo or Ubereats. Instead you will need Hire and Reward Insurance.
What is the difference between a Social, Domestic and Pleasure Policy and a Hire and Reward Policy?
If you are delivering food or parcels in return for payment you are required by law to have Hire and Reward Insurance in place during your working day. This insurance will cover yourself and other road users while you are making deliveries.
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A social domestic and pleasure policy does not cover you while you are working for Deliveroo or Ubereats. It is very common for people working in the gig economy carrying out deliveries to think that their current SD&P policy is sufficient. This may result in your vehicle being impounded by the police when they carry out random stops on vehicles in cities throughout the UK.
It is important to also know that some companies such as ZEGO will cover people working in the gig economy with a top up insurance. Top up insurance does just that, it tops up your current SD&P Policy to cover you while you are working.
However it is worth checking with your insurance company if they permit top up insurance onto your existing SD&P Policy.
How much does food delivery insurance cost?
This is a difficult question to answer however it can range between £1000-2000 depending on age, location, gender, claims history or vehicle type. If this sounds expensive and you want some tips for getting cheaper van insurance It is worth speaking to your insurance company who may be able to help.
It is also important to point out that if you are a delivery driver, business insurance is classed as expense and can be written off against any tax that might be due. For more information about what which expenses you can and cannot claim for you may like to read our post on what expenses a Deliveroo driver can claim.
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What company’s offer food delivery insurance for scooters and motorcycles?
There is a limited number of insurance companies that offer fast food delivery insurance (also known as hire and reward), However here is a selection of companies below:
Top 5 Courier And Food Delivery Insurance Providers
Zego insurance offer an alternative to many other insurer as you can insure your vehicle on a pay-as-you-go basis. Meaning you only pay for what you use.
Do I need to tell my insurance I drive for Uber eats or Deliveroo?
Yes, you must tell your insurer if you are using your vehicle to make food deliveries. As we have already mentioned your normal vehicle insurance doesn’t cover you, so if you have an accident whilst making a delivery your insurance will be void.
It is also worth mentioning that in larger cities the police do spot checks on delivery vehicles to check that they have the correct insurance in place. If the police discover that you don’t, your vehicle can be taken to the police pound.
Advertisements
Is Food Delivery Insurance Tax Deductible?
Yes. If you pay separately for your delivery insurance or it is added to your current vehicle policy charge, this cost is tax deductible. What this means is that when you file a tax return the cost of the insurance can be deducted from taxable income or the amount of tax to be paid. For a more detailed breakdown you may like to read about expenses a Deliveroo rider can claim.
Hopefully this post about what insurance do you need for food delivery has answered some of the questions you may have. Can I suggest another post I have written for delivery drivers which is about Deliveroo Pay: how much can you earn and how to get started?.
Unfortunately we live in a society now where people if they are involved in an accident may not accept fault or worse still leave the scene completely. This can be both frustrating and daunting since you could be left to pay for the damage caused.
The good news though is that you can help avoid this happening to you by recording your journey every time you step foot into your car or sit on your scooter or motorcycle.
If you want to protect yourself from fraudulent insurance claims or prove that you are not at fault for an accident buy a dash cam as soon as possible. They record every aspect of your journey, and can prove to an insurance company you are not at fault. Check out this article which reviews the 5 best dash cams.
Alternatively if you ride a scooter or motorcycle I have reviewed some of the best helmet camera you buy from Amazon which can be seen in the post below:
What are the benefits of Zego pay-as-you-go Insurance?
Zego Insurance have broke n the mould when it comes to providing cover. You can pay for insurance on a pay-as-you-go basis on a minute by minute basis, and the app allows you to pause your insurance when your not working.
This is great approach since it can save you money by not having to pay for insurance when its not being used, but is also beneficial for people that may only want to work as a courier for a few hours in the evening or weekend.
This approach is also beneficial if you are just starting out, and are trialling working for Deliveroo or Uber eats since you only have to pay for what you use.
ugoscootersblog.com 
Updated: 14/09/2023 08:35am
The number of food delivery apps has given us two opportunities. Firstly the choice and on demand service means our favourite takeaway is zipping its way to our door at times in a matter of minutes.
Secondly, delivery apps has created a fantastic opportunity for people to work in the industry delivering food or parcel on a flexible part or full time basis.
If you’re excited by the opportunity to work as a delivery driver, the chances are you are going to need insurance, unless you decide to rent a moped with insurance included.
so here is everything you need to know about what delivery insurance policy you need, as well as the best companies that offer insurance.
Knowing the difference between food Delivery insurance and normal vehicle cover can be confusing.
But if you are planning on working for Deliveroo, Ubereats or Justeat you are going to need the correct insurance in place which covers you for food delivery. This type of cover is called Hire and Reward Insurance.
What is Hire and Reward Insurance?
It is probably important to discuss first the insurance we are all use to hearing about which is called Social, Domestic and Pleasure (also known as SD&P).
An SD&P policy is what you may have on your car or motorcycle currently, and covers you for everyday activities such as going to the shops or visiting friends.
A Social Domestic and Pleasure insurance policy does not cover you for work you do with Deliveroo or Ubereats. Instead you will need Hire and Reward Insurance.
What is the difference between a Social, Domestic and Pleasure Policy and a Hire and Reward Policy?
If you are delivering food or parcels in return for payment you are required by law to have Hire and Reward Insurance in place during your working day. This insurance will cover yourself and other road users while you are making deliveries.
A social domestic and pleasure policy does not cover you while you are working for Deliveroo or Ubereats. It is very common for people working in the gig economy carrying out deliveries to think that their current SD&P policy is sufficient. This may result in your vehicle being impounded by the police when they carry out random stops on vehicles in cities throughout the UK.
It is important to also know that some companies such as ZEGO will cover people working in the gig economy with a top up insurance. Top up insurance does just that, it tops up your current SD&P Policy to cover you while you are working.
However it is worth checking with your insurance company if they permit top up insurance onto your existing SD&P Policy.
How much does food delivery insurance cost?
This is a difficult question to answer however it can range between £1000-2000 depending on age, location, gender, claims history or vehicle type. If this sounds expensive and you want some tips for getting cheaper van insurance It is worth speaking to your insurance company who may be able to help.
Read More: How much can I earn working for Deliveroo?
It is also important to point out that if you are a delivery driver, business insurance is classed as expense and can be written off against any tax that might be due. For more information about what which expenses you can and cannot claim for you may like to read our post on what expenses a Deliveroo driver can claim.
What company’s offer food delivery insurance for scooters and motorcycles?
There is a limited number of insurance companies that offer fast food delivery insurance (also known as hire and reward), However here is a selection of companies below:
Top 5 Courier And Food Delivery Insurance Providers
Acorn Insurance
Food Delivery and Courier Insurance
Acorn Insurance provide cover for people who are looking to work flexibly delivering parcels or food using their own car.
Lexham Insurance
Two Wheeled Insurance For Food Delivery.
Lexham Insurance offer cover for Couriers and food delivery riders using mopeds, scooters, and motorcycles, up to 500cc.
MCE Insurance
Scooter And Motorcycle Insurance For Delivery Drivers.
Regardless of whether your delivering food or parcels MCE provide scooter and motorcycle insurance for the Courier industry.
Zego Insurance
Food Delivery Insurance from 1 hour to 1 year.
Zego insurance offer an alternative to many other insurer as you can insure your vehicle on a pay-as-you-go basis. Meaning you only pay for what you use.
Do I need to tell my insurance I drive for Uber eats or Deliveroo?
Yes, you must tell your insurer if you are using your vehicle to make food deliveries. As we have already mentioned your normal vehicle insurance doesn’t cover you, so if you have an accident whilst making a delivery your insurance will be void.
It is also worth mentioning that in larger cities the police do spot checks on delivery vehicles to check that they have the correct insurance in place. If the police discover that you don’t, your vehicle can be taken to the police pound.
Is Food Delivery Insurance Tax Deductible?
Yes. If you pay separately for your delivery insurance or it is added to your current vehicle policy charge, this cost is tax deductible. What this means is that when you file a tax return the cost of the insurance can be deducted from taxable income or the amount of tax to be paid. For a more detailed breakdown you may like to read about expenses a Deliveroo rider can claim.
Hopefully this post about what insurance do you need for food delivery has answered some of the questions you may have. Can I suggest another post I have written for delivery drivers which is about Deliveroo Pay: how much can you earn and how to get started?.
You may also like to read about what equipment do I need for Deliveroo which shows some of the best stuff you need to work as a delivery driver.
Best way to prove non-fault in an accident?
Unfortunately we live in a society now where people if they are involved in an accident may not accept fault or worse still leave the scene completely. This can be both frustrating and daunting since you could be left to pay for the damage caused.
The good news though is that you can help avoid this happening to you by recording your journey every time you step foot into your car or sit on your scooter or motorcycle.
If you want to protect yourself from fraudulent insurance claims or prove that you are not at fault for an accident buy a dash cam as soon as possible. They record every aspect of your journey, and can prove to an insurance company you are not at fault. Check out this article which reviews the 5 best dash cams.
Alternatively if you ride a scooter or motorcycle I have reviewed some of the best helmet camera you buy from Amazon which can be seen in the post below:
What are the benefits of Zego pay-as-you-go Insurance?
Zego Insurance have broke n the mould when it comes to providing cover. You can pay for insurance on a pay-as-you-go basis on a minute by minute basis, and the app allows you to pause your insurance when your not working.
This is great approach since it can save you money by not having to pay for insurance when its not being used, but is also beneficial for people that may only want to work as a courier for a few hours in the evening or weekend.
This approach is also beneficial if you are just starting out, and are trialling working for Deliveroo or Uber eats since you only have to pay for what you use.
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