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What is fast food delivery insurance?
We Brits all love a takeaway every now and then. Once you’ve got the idea in your head there’s no going back. The fast food delivery market is booming, and it’s expected to be worth close to £10 billion by the end of 2021.
The way we order takeout has changed thanks to food delivery apps. Customers may select their meals and have them delivered to their door with only a few taps on their phone's app! This has allowed the restaurant industry to thrive in a whole new way, opening up job opportunities for drivers and riders in the food delivery sector.
If you’re delivering food for Deliveroo, Uber eats or any of the food delivery giants, you’ll need fast food delivery insurance for your vehicle. Food delivery insurance is a subdivision of business car insurance, specifically designed for the food delivery industry. When driving your vehicle to make a delivery, look for any form of hire or reward car insurance coverage or courier insurance policy that will protect you.
What does fast food delivery insurance cover?
In the eyes of UK law, your basic car insurance policy won’t cut it, and any accidents you have on your bike or another vehicle while you are working are going to count as uninsured, meaning you'll have to cover any costs relating to injuries and damage which can be extortionate.
With a proper insurance policy for food delivery couriers, drivers are covered for possible eventualities while working, including nighttime driving and journeys where you’re under slightly more pressure than usual.
Why is fast food delivery insurance more expensive?
Unfortunately, food delivery insurance in your personal car is likely to be more expensive than a typical policy. There are a few reasons for this. Firstly, you are likely to be doing more driving under time pressure situations, for example, multiple deliveries in one area, and secondly, you will potentially be driving in dark hours. So it’s likely the policy will cost more than a regular car insurance policy, but you can still take steps to get the best value.
Premiums influencing the cost
Much like with any policy, costs will differ and some will be cheaper than others. Some of the aspects that will influence the cost of fast food delivery policies include:
- Your personal driving record and history: If you have any driving convictions, you'll have a tougher time finding low-cost quotes, however if you have a long no-claims history, you'll be able to get better deals
- The excess you’re prepared to pay
- The type of vehicle you want to insure
- Working hours (working late at night increases the chance of accidents, which bumps up insurance rates
- Second job fatigue: Because of the flexible nature of food delivery work, it's easy to pick up shifts on top of other responsibilities, so for some drivers, it's a second job. After concluding work at another employment, you may feel exhausted, and fatigue might contribute to car accidents
- Time pressure: Deadlines can be tough, and this increased time pressure may result in more accidents
Public liability insurance
Public liability insurance will be required for the company itself (which protects you from any accidents that may occur if someone is injured through your business), however, if you are not employed directly by the restaurant or shop making the food and are a self-employed driver, you may want to look into the terms of your contract and check if you are covered under their insurance policy.
It is a good idea to look into public liability insurance yourself in case any of your actions (outside of a car crash) cause personal injury to another or damage to their property.
FAQs for fast food delivery insurance
What insurance do I need for fast food delivery?
Anyone who makes paid deliveries in their vehicle must have delivery driver insurance. This is a type of commercial vehicle insurance known as 'hire & reward,' which is just what a delivery driver needs.
Can I use my own car for food delivery?
Many fast food companies insist that all drivers have their own vehicles to utilise during their shifts. However, even if you have ‘business usage' added to your ordinary vehicle insurance policy, it would be a mistake to believe you can just use your car for fast food delivery.
Fast Food Delivery Driver Insurance is required to legally work as a fast food delivery driver. Fast Food Delivery Driver Insurance is a specialised type of Hire and Reward insurance, which is a type of insurance that permits drivers to lawfully transport other people's goods for a charge.
Do you need special insurance for food delivery with companies like Uber Eats?
If you want to work as an Uber Eats courier, you'll need to get special insurance to cover you while you're on the job. Fast food couriers must have food delivery insurance in order to be protected on the roads when driving or riding during their delivery tasks.
Can I just use my standard insurance policy for food deliveries?
With your ordinary auto insurance coverage or business policy, you won't be able to deliver for Uber Eats, Deliveroo, or Just Eat (or other providers). You'll require insurance that covers meal delivery. Quidco offers rewards when you compare fast food delivery insurance quotes.
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Useful information
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*Cashback rates - £1 per valid fast food delivery insurance purchase.