How do I get a fast food delivery insurance quote?

You can get a quote entirely online in minutes at https://app.inshur.com/uk/product/b75e1b57-bec5-4d75-a838-a53cf77e3cae/quote?lang=en. No documents to upload — just sign up, choose your cover, and get on the road.

I also deliver parcels. Will I need extra coverage?

Yes. Standard fast food delivery insurance covers food delivery only. If you also deliver parcels or courier goods, you can add courier and parcel delivery cover as an optional add-on during the quote process.

I'm under 23 years of age. Can you cover me?

Unfortunately not. INSHUR's fast food delivery insurance requires drivers and riders to be aged 23 or over.

Which food delivery platforms do you cover?

INSHUR covers drivers and riders working for major food delivery platforms including Uber Eats, Deliveroo, Just Eat, Stuart, and Whoosh, as well as many others. Policies are multi-platform compatible.

Can I deliver for Uber Eats without insurance?

No. Hire and Reward insurance is a legal requirement for anyone using their vehicle to deliver food for payment. Standard social, domestic, and pleasure (SD&P) or commuting cover is not sufficient. You must hold a valid Hire and Reward policy to deliver legally.

Can I use my own vehicle to deliver fast food?

Yes. INSHUR covers your own car, van, scooter, moped, or motorcycle for food delivery, subject to minimum vehicle age and type requirements.

Get food delivery insurance in minutes

Whether you deliver food, parcels, or both, we've got you covered

Step 1 Start your quote What do you deliver?

Food only Food & Parcels

Step 2 Parcels only Do you only deliver with Amazon Flex?

Amazon Flex I only deliver with Amazon Flex. Other parcel delivery I deliver with other apps, or as well as Amazon Flex.

Step 2 Your delivery platforms Which platforms do you deliver with? Select all that apply

Deliveroo Uber Eats Just Eat Other

Cover you could get

Pay As You Go Food Delivery Only pay for the minutes you are delivering Tick a platform to check Available Only with Deliveroo and Uber Eats

Courier Insurance Covers all major delivery platforms Tick a platform to check Available

Pick at least one platform to continue.

Your cover options

Pay As You Go Food Delivery Insurance

Pay as you go delivery insurance designed to work alongside your existing Social Domestic & Pleasure use insurance.

Only pay for the minutes you are delivering
No minimum charges for short shifts
90-day price lock
Auto wallet top-ups

Get your quote

Find out more

Pay As You Flex Insurance

Get pay-as-you-go top-up insurance to deliver with Amazon Flex and only pay for the minutes you drive.

Only pay for the minutes you drive
Cover for 15 mins of journey to and from your shift
30 mins of overtime cover if you run over

Get your Flex quote Find out more

Courier Insurance for Parcels and Fast FoodCourier Insurance for Food DeliveryCourier Insurance for Food & Parcels

Food and parcel delivery insurance with Social, Domestic & Pleasure use included.

Covers all major delivery platforms
Choose from food or parcel delivery, or both
30-day and annual cover options
Includes Social Domestic & Pleasure use

Get your quote Find out more

Comparison of Pay As You Go, 30-Day and Annual delivery insurance policies
Feature	Pay As You Go (PAYG)	30-Day Policy	Annual Policy
Best For	Casual, part-time drivers working peak delivery hours	Flexible monthly delivery work without long-term contracts	Dedicated full-time courier and food delivery drivers
Platforms Covered	Uber Eats and Deliveroo only	Covers all major food and parcel delivery platforms	Covers all major food and parcel delivery platforms
Payment Model	Pay per minute worked (funded via top-up wallet)	Monthly rolling payment with no 12-month commitment	Upfront payment or spread across monthly instalments
Coverage Mechanism	Automatically activates when logged in to delivery shifts. Separate SD&P insurance required.	Continuous 24/7 Hire & Reward coverage for 30 days. Includes SD&P cover.	Continuous 24/7 Hire & Reward coverage for 365 days. Includes SD&P cover.
Key Advantage	No minimum charges, only pay for the minutes you are delivering	Pause, renew, or stop month-to-month based on workload	Lowest cost per day worked; builds continuous No Claims Discount (NCD)
Get a quote	Get your quote	Get your quote	Get your quote

Pay As You Go (PAYG) Casual, part-time drivers working peak delivery hours

Best For: Casual, part-time drivers working peak delivery hours
Platforms Covered: Uber Eats and Deliveroo only
Payment Model: Pay per minute worked (funded via top-up wallet)
Coverage Mechanism: Automatically activates when logged in to delivery shifts. Separate SD&P insurance required.
Key Advantage: No minimum charges, only pay for the minutes you are delivering

Get your quote

30-Day Policy Flexible monthly delivery work without long-term contracts

Best For: Flexible monthly delivery work without long-term contracts
Platforms Covered: Covers all major food and parcel delivery platforms
Payment Model: Monthly rolling payment with no 12-month commitment
Coverage Mechanism: Continuous 24/7 Hire & Reward coverage for 30 days. Includes SD&P cover.
Key Advantage: Pause, renew, or stop month-to-month based on workload

Get your quote

Annual Policy Dedicated full-time courier and food delivery drivers

Best For: Dedicated full-time courier and food delivery drivers
Platforms Covered: Covers all major food and parcel delivery platforms
Payment Model: Upfront payment or spread across monthly instalments
Coverage Mechanism: Continuous 24/7 Hire & Reward coverage for 365 days. Includes SD&P cover.
Key Advantage: Lowest cost per day worked; builds continuous No Claims Discount (NCD)

Get your quote

What Is Food Delivery Insurance, And Why Do You Need It?

Food delivery insurance, also known as hire and reward or carriage of goods insurance, is a type of commercial vehicle insurance designed for delivery drivers and riders who use their vehicles to deliver fast food.

The moment you accept payment to carry goods, you’re doing something your ordinary policy was never priced for. Hire and reward is the part that makes it legal, and it applies from the moment you log in.
Food delivery insurance is not only necessary for online platforms, but it’s also a legal requirement.

Your personal vehicle insurance policy will likely not cover you for hire and reward use for delivering fast food. This could leave you in a tricky situation if you’re involved in an accident on the job and need to provide insurance documentation.

The platforms check will be checking this as well; all of them ask for a certificate of motor insurance showing hire and reward use before you can take your first order.
Getting caught without hire and reward cover is actually treated as driving without insurance. Police can issue a £300 fixed penalty and six points on the spot, and seize your vehicle at the roadside. If the case reaches court, you face an unlimited fine and disqualification, meaning no more driving whether for work or pleasure.

An IN10 conviction then stays on your licence for four years and must be declared every time you buy insurance. And if you have an accident while uninsured for delivery work, your insurer can refuse the claim, leaving you with massive additional costs.

Food Delivery Insurance Policy Options

Pay As You Go Food Delivery Insurance

Pay as you go delivery insurance designed to work alongside your existing Social Domestic & Pleasure use insurance.

Only pay for the minutes you are delivering
No minimum charges for short shifts
90-day price lock
Auto wallet top-ups

Get your quote

Find out more

Courier Insurance for Food Delivery

Food and parcel delivery insurance with Social, Domestic & Pleasure use included.

Covers all major delivery platforms
Choose from food or parcel delivery, or both
30-day and annual cover options
Includes Social Domestic & Pleasure use

Get your quote

Find out more

How Much Does Food Delivery Insurance Cost?

There’s no single price for food delivery insurance. Premiums are calculated on your circumstances, so the only figure that means anything is your own quote. What we can tell you is what moves it:

Your age and experience. Younger or inexperienced drivers tend to pay more.
Your vehicle. Engine size, value and age all count — a 125cc scooter is usually cheaper to insure than a car.
Your driving history. Claims, convictions and the no claims discount you’ve built up.
Your level of cover. Third party is the legal minimum; comprehensive protects your own vehicle too.
Your policy length and how you pay. Paying up front usually works out cheaper than monthly instalments.

Insurance that works around you: 30-day, annual or pay as you go?

A 30-day policy suits you if you’re trying delivery out, fitting shifts around another job, or working seasonally. At the end of the 30 days, you renew and keep going, or you stop — there’s no year-long contract to cancel.

An annual policy suits you if delivery is your main income. It works out cheaper per day, keeps your no claims discount building without gaps, and can still be paid monthly.

With pay as you go cover you pay for the minutes you drive rather than the full block, funded from a wallet, with your hourly premium guaranteed for 90 days. It’s built for Deliveroo and Uber Eats only so if you deliver for other platforms, the 30 day or annual option is best for you.

Vehicles We Insure for Food Delivery

Cars
Scooters, Mopeds & Motorbikes
Vans (30-day and annual policies only)

Why INSHUR?

With INSHUR, you can get a food delivery insurance quote online in minutes. Plus, manage your policy anytime with your online Dashboard. INSHUR cover gives you:

Coverage for food delivery – Essential hire and reward insurance.
24/7 claims support – Peace of mind in case of covered incidents while delivering.
Flexible policy options – Choose between pay as you go, 30-day or annual coverage to suit your schedule.
Multi-platform compatibility – Pay as you go covers you to deliver with both Deliveroo and Uber Eats, whilst our 30-day and annual option works across multiple delivery apps.
Pay as you go, monthly or annually – payment options to fit your budget.
Trusted by over 1 million on-demand drivers – we designed cover for food couriers like you!

Get a pay as you go quote

Get a 30-day or annual quote

Delivery motorbiker in red driving up road (1)-1

Food delivery man with helmet passing bag

Frequently asked questions (FAQs)

To get a quote online, choose whether you think a pay as you go, 30-day, or annual policy is right for you, then click 'Get a quote' to continue and answer the questions. It only takes a matter of minutes, and you will receive your quote instantly.
No. A standard private car, van or motorbike policy excludes hire and reward use, so delivering food on one can invalidate it — meaning a refused claim and a possible driving-without-insurance charge.
Every platform asks for a certificate of motor insurance showing hire and reward use. As soon as your policy is live, download it from your online Dashboard and upload it to the platform.
Yes! Click here to get an online quote in minutes for our Pay As You Go Delivery Insurance.
Yes. We can add parcel delivery to your 30-day or annual delivery insurance quote. Just let us know what delivery you want when you complete your quote.

With our pay as you go cover, you are not covered for parcel delivery.
30 - day and annual policies: All major platforms, including Deliveroo, Uber Eats, Just Eat, Stuart and Whoosh. Read more about Uber Eats insurance, Just Eat insurance, and Deliveroo insurance.

Pay As You Go cover: Uber Eats and Deliveroo only
Yes, as long as it meets our minimum requirements for age and vehicle type.
No. This is motor insurance for cars, scooters, mopeds and motorbikes. Pedal cycle couriers don’t need motor insurance, though many platforms recommend personal accident cover.

See more FAQs

Get food delivery insurance in minutes

Your cover options

Pay As You Go Food Delivery Insurance

Pay As You Flex Insurance

Courier Insurance for Parcels and Fast FoodCourier Insurance for Food DeliveryCourier Insurance for Food & Parcels

Pay As You Go, 30-Day, or Annual: Which Cover Fits Your Work?

What Is Food Delivery Insurance, And Why Do You Need It?

Food Delivery Insurance Policy Options

Pay As You Go Food Delivery Insurance

Courier Insurance for Food Delivery

How Much Does Food Delivery Insurance Cost?

Insurance that works around you: 30-day, annual or pay as you go?

Vehicles We Insure for Food Delivery

Why INSHUR?

What our customers say

Frequently asked questions (FAQs)

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