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Hire & Reward: The essential cover you legally require to deliver.
Fast 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.
Fast 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.
With an INSHUR policy, you’re covered for multiple delivery services, and you can choose either 30-day or annual coverage to suit your needs.
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.
There’s no single price for fast 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 drivers pay more. We cover from age 23.
Your vehicle. Engine size, value and age all count — a 125cc scooter is usually cheaper to insure than a car.
Where you live and where the vehicle is kept overnight. A locked garage or driveway beats the roadside.
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.
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You can deliver on four wheels or two, as long as your vehicle meets our requirements for age, condition and where it’s kept overnight.
Most delivery drivers use the car they already own. Add hire and reward cover and you can deliver in it and still use it for the school run; social, domestic and pleasure use is included as standard. Cars can be insured third party, third party fire and theft, or comprehensive, with windscreen cover and a courtesy car where available.
If you carry larger orders or a mix of food and parcels, a van gives you the room. Van policies work like car policies, and parcel delivery can be added to the same one.
Two wheels are the quickest route into delivery work and usually the cheapest to insure and run. A 50cc moped or 125cc scooter ridden on a CBT is enough for most platforms, with cover available third party or comprehensive.
Explore the table below to choose a level of cover that suits your needs. Flexible policy duration and payment options are available.
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Third Party |
Third Party, Fire & Theft (car and van only) |
Comprehensive |
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Social, domestic, and pleasure (SD&P)
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Accidental damage to your vehicle
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Vandalism or malicious damage to your vehicle
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Fire & theft
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Windscreen cover (cars & vans)
£750 excess for non-approved repairer |
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£50 for repair, £150 for replacement with approved repairer |
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Courtesy car
*Where available |
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For car and van policies |
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Courier and parcel delivery cover (optional)
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Policy excess
Additional excess applies if incident not reported within 24h or on use of non-approved repairer, and for <25 year old drivers |
No excess applies |
See your policy schedule |
See your policy schedule |
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No claims discount protection
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(Optional, 4+ years) |
(Optional, 4+ years) |
(Optional, 4+ years) |
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Driving in the EU
SD&P only, minimum legal requirement for that country, there is no cover for any loss or damage to your vehicle |
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| Get a quote |
Social, domestic, and pleasure (SD&P)
Accidental damage to your vehicle
Vandalism or malicious damage to your vehicle
Fire & theft
Windscreen cover (cars & vans)
(£750 excess for non-approved repairer)
Courtesy car
(*Where available )
Courier and parcel delivery cover (optional)
Policy excess
(Additional excess applies if incident not reported within 24h or on use of non-approved repairer, and for <25 year old drivers)
No excess applies
No claims discount protection
(Optional, 4+ years)
Driving in the EU
(SD&P only, minimum legal requirement for that country, there is no cover for any loss or damage to your vehicle)
Social, domestic, and pleasure (SD&P)
Accidental damage to your vehicle
Vandalism or malicious damage to your vehicle
Fire & theft
Windscreen cover (cars & vans)
(£750 excess for non-approved repairer)
Courtesy car
(*Where available )
Courier and parcel delivery cover (optional)
Policy excess
(Additional excess applies if incident not reported within 24h or on use of non-approved repairer, and for <25 year old drivers)
See your policy schedule
No claims discount protection
(Optional, 4+ years)
Driving in the EU
(SD&P only, minimum legal requirement for that country, there is no cover for any loss or damage to your vehicle)
Social, domestic, and pleasure (SD&P)
Accidental damage to your vehicle
Vandalism or malicious damage to your vehicle
Fire & theft
Windscreen cover (cars & vans)
(£750 excess for non-approved repairer)
£50 for repair, £150 for replacement with approved repairer
Courtesy car
(*Where available )
For car and van policies
Courier and parcel delivery cover (optional)
Policy excess
(Additional excess applies if incident not reported within 24h or on use of non-approved repairer, and for <25 year old drivers)
See your policy schedule
No claims discount protection
(Optional, 4+ years)
Driving in the EU
(SD&P only, minimum legal requirement for that country, there is no cover for any loss or damage to your vehicle)
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.
Pay as you go is available too, through our Pay as you Flex policy. 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 Amazon Flex and covers Amazon Fresh and Amazon parcel deliveries only — so if you deliver for Uber Eats, Deliveroo or Just Eat, a 30-day policy is the flexible option to go for.
With INSHUR, you can get a fast food delivery insurance quote online in minutes. Plus, manage your policy anytime with your online Dashboard. INSHUR cover gives you:
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With INSHUR, you can customise your policy to fit your needs. Choose your level of coverage, opt for a 30-day or annual plan, and decide whether to pay in full or spread the cost with monthly payments.
To get a quote online, tap here to sign up, 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.
We do offer pay as you go cover; our Pay as you Flex policy charges you for the minutes you drive on a delivery block. It’s designed for Amazon Flex and covers Amazon Fresh and Amazon parcel deliveries only, so it won’t cover you for Uber Eats, Deliveroo or Just Eat. For fast food work, our 30-day policy is the flexible choice.
Yes; we can add parcel delivery to your quote. Just let us know what goods you carry when you complete it.
Unfortunately, we only cover drivers and riders who are aged 23 and over.
All major platforms, including Deliveroo, Uber Eats, Just Eat, Stuart and Whoosh. Read more about Uber Eats insurance, Just Eat insurance and Deliveroo insurance.
Yes, as long as it meets our minimum requirements for age and vehicle type. Tap here to get a personalised quote in minutes.