Compare fast food delivery insurance quotes

Do you deliver food in your vehicle? Compare cheap fast food delivery insurance and get £1 cashback*

Compare fast food delivery car insurance illustration
Compare fast food delivery car insurance illustration

Compare a range of top providers to get a cheap food delivery insurance quote

1
Get quotes

Spend some time entering your details and the details of your fast food delivery vehicle. You’ll get access to a variety of quotes so that you can find the right one for you.

2
Compare

Compare the UK’s most reputable policies and prices to find the right fast food delivery insurance plan for you.

3
Get paid

Choose a policy. Your cashback will be on its way and in your account in less than 60 days. 

Why get a fast food delivery insurance quote at Quidco Compare?

Not only can you save on your fast food delivery insurance as you can with other comparison sites, but you’ll also make cashback on top. This way, you can make money while you save money.

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.

Related guides

How to get cheap car insurance

Looking for a cheap insurance quote? Check out this guide, which covers some of the main ways to get cheaper car insurance. Read now

Multi-car insurance explained

Do you live in a household that has multiple vehicles? Find out how to save money with our helpful guide to multi-car insurance. Read now

How is car insurance calculated?

We help you understand just how car insurance companies produce their quotes and calculate what you pay in this latest guide. Read now

Useful information

Please note: by clicking the “Get a quote” button, you consent to your details being transferred to up to five insurance providers. The insurance providers will contact you via telephone to discuss your policy.

Please note:

  • Cashback is only available for genuine quotes.
  • Cashback is limited to 3 quotes per person for each product per year. Abuse of this may lead to the termination of your Quidco account.
  • Any user found giving false details will have their Quidco account terminated.

When using the Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.

The comparison service for insurance accessed via Compare is provided by Quotezone, 100% independent UK insurance comparison. Quidco is a trading style of Maple Syrup Media Ltd, who are an Introducer Appointed Representative of Seopa Ltd, trading as Quotezone, who are authorised and regulated by the FCA, number 313860. Quotezone run and operate the insurance comparison service. By using this system you are agreeing to our terms and conditions & privacy policy.

*Cashback rates - £1 per valid fast food delivery insurance purchase.