Pay As You Go, 30-Day, or Annual: Which Cover Fits Your Work?
Whether you deliver food part-time during peak weekend hours, or drive full-time across multiple delivery apps, choose a policy built around your driving habits.
Flexible Pay As You Go, 30-Day or Annual Policies. 100% Online.
Only pay for the minutes you are delivering
30-day and annual cover options
Pay as you go delivery insurance designed to work alongside your existing Social Domestic & Pleasure use insurance.
Food and parcel delivery insurance with Social, Domestic & Pleasure use included.
Whether you deliver food part-time during peak weekend hours, or drive full-time across multiple delivery apps, choose a policy built around your driving habits.
| 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 |
If you're delivering for Uber Eats, your standard car or bike insurance does not cover you. Full stop.
The moment you accept a delivery and start earning, you're carrying out what's legally classified as hire and reward work. That means you need a specialist hire and reward insurance policy in place — and without one, you're technically uninsured on the road.
Uber Eats also requires proof of valid hire and reward insurance before you can complete your sign-up and start accepting orders. It's not optional — it's a condition of working on the platform.
INSHUR's food delivery insurance gives you exactly the cover you need, with flexible policies built around the way you work.
Thousands of food delivery drivers across the UK trust INSHUR to keep them covered. Here's why:
Essential hire & reward insurance for Uber Eats food delivery
Choose between pay as you go, 30-day or annual coverage to suit your schedule.
Get a quote, buy your policy, and manage your cover entirely online. No phone calls, no paperwork, no waiting around.
If something goes wrong on the road, INSHUR's claims team is available around the clock. You'll never be left dealing with an incident alone.
Getting covered is quick and straightforward. Here's how it works:
Yes. Delivering for Uber Eats counts as hire and reward work, which is not covered by standard car or bike insurance. You need a specific hire and reward insurance policy to drive legally on the platform. INSHUR's food delivery insurance provides exactly this cover.
Yes. INSHUR covers a range of vehicles for food delivery work, including cars, scooters, mopeds, and motorbikes. You'll be asked about your vehicle type when you get your quote.
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.
Yes. INSHUR is a trading name of Inshur UK Limited, authorised and regulated by the Financial Conduct Authority (FCA). FCA firm reference number: 916800.