If you’re thinking about becoming a fast food delivery driver, you can expect a flexible, fast-paced job where you are your own boss. You choose when and where you work, making it a great option for extra income or a full-time option. Before you hit the road, you need the right insurance. This protects you, your vehicle, and others on the road while also ensuring compliance with the apps you’ll deliver for.
One essential part of your insurance is a certificate proving you have the correct policy in place. This guide will walk you through everything you need to know about getting your certificate from INSHUR, the types of insurance required for fast food delivery, and how to make sure you're fully covered.
What Do I Need My Insurance to Cover to Start Fast Food Delivery?
To work as a food delivery driver for apps like Uber Eats, Deliveroo, or Just Eat, you’ll need your insurance policy to cover two key points:
- Hire & Reward (H&R) Insurance: This is an umbrella term for insurance that covers the carriage of goods in return for payment, including fast food delivery insurance. t It specifically covers you while you’re delivering.
- Social, Domestic & Pleasure (SD&P) Insurance: This is your everyday vehicle insurance that covers personal use of your vehicle. It’s required by law for any vehicle on UK roads, but it won’t cover you for food delivery work by itself.
Fortunately, all INSHUR fast food delivery policies include both Hire and Reward and SD&P coverage as standard.
How to Get Your Certificate of Insurance
1. Check If You’re Eligible for Insurance
To qualify for INSHUR fast food insurance, you must*:
- Be aged between 23-66 years old
- Have a full UK driving licence
- Drive a vehicle with up to 8 passenger seats
- Ensure your vehicle is no more than 20 years old
*Other criteria may apply, always read insurance documents carefully.
2. Gather Your Details
Before applying, have the following information ready:
- Your full name and address
- Your date of birth
- Your vehicle details, including make, model, size, and registration number
- Claims history
- Driver's License and number
3. Choose the Right Policy for You
INSHUR offers two insurance options for you to choose from, based on how often you think you’ll drive:
- 30-Day Policies: Ideal for seasonal drivers or those who want short-term coverage. These policies renew every month, giving you flexibility without long-term commitment.
- Annual Policies: Full-time drivers could save money with an annual policy. Plus, break the cost down into monthly manageable chunks.
Choose between third-party only coverage (which covers damage to others but not your own vehicle) or comprehensive coverage (which includes protection for your vehicle, too).
Check out INSHUR’s fast food delivery insurance page to explore your options.
4. Purchase Your Insurance
Once you’ve picked an insurance policy that suits your needs and budget, you can buy it online in just a few minutes. Click the button below, answer a few questions, and get your price.
5. Receive & Access Your Insurance Certificate
Once your purchase is complete, INSHUR will send your insurance certificate via email. You can access your documents anytime through your INSHUR Dashboard, so you’ll always have proof of insurance ready when needed.
What are the benefits of delivering fast food?
Beyond the flexibility of choosing your hours, fast food delivery can offer several perks:
- Good Earning Potential – The more deliveries you complete, the more you can earn. Many drivers supplement their income during peak hours like evenings and weekends.
- Freedom & Independence – No bosses watching over your shoulder. You decide when and how often you work.
- Variety & Activity – Every shift is different, and you get to move around rather than being stuck behind a desk.
- Quick Start-Up – With the right vehicle and insurance, you can start working almost immediately.
Get Started Today
Now that you know what’s required, you’re ready to get covered. With your insurance certificate in hand, start your journey as a fast food delivery driver. With INSHUR, the process is designed to fit your needs, meaning you can focus on the road ahead.
