Deliveroo Delivery Insurance
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Why Compare Deliveroo Delivery Insurance With SimplyQuote?
We understand how time-consuming, overwhelming and downright stressful comparing multiple food delivery insurance quotes can be; especially when working as a Deliveroo delivery driver.
The good news? We have the perfect solution for you: the 100% free, online, comparison tool.
Compare multiple quotes from top-class UK insurance providers within a matter of minutes. No more stressing about the right cover for your food delivery service when you have SimplyQuote by your side!
Simply fill in the quick online form with a couple of basic details. Easy.
What Do You Need To Get A Quote?
Before we can give you a Deliveroo delivery insurance quote, we’ll need the following details:
- Your details
- Your working hours
- Your driving history
- Details of vehicle
- Where you drive in the UK
- Which Deliveroo insurance policy you’re interested in
After you finish inputting your details, the comparison tool will generate a wide range of quotes from trusted insurance companies that are tailored to your needs.
To avoid confusion, Deliveroo delivery insurance is the same as:
- Fast food delivery insurance
- Food delivery insurance
- Food courier insurance
- Food delivery driver insurance
- Takeaway driver insurance
- Hire and reward insurance
Why Do You Need Deliveroo Delivery Insurance Cover?
You need specialist food delivery insurance to use your own vehicle as a takeaway driver. More specifically, Deliveroo delivery drivers need Deliveroo delivery insurance.
UK law states it’s a legal requirement for you to have the correct cover in place to drive on UK roads. This is to protect yourself (and others) if you are involved in a crash – even if it isn’t your fault.
Without the right cover, your insurance could be void – and you’ll be financially liable for third-party claims!
Your vehicle that you rely on for work is important for your livelihood, but you risk losing your vehicle and perhaps your employment if you find yourself in an accident without the correct insurance to protect you.
Note: Standard motor insurance does not cover fast food deliveries.
Who is eligible for fast food delivery insurance?
Anyone making Deliveroo food deliveries can get food delivery insurance if they:
- Are at least 23 years old
- Have a valid UK driving licence
- Operate within the UK
Looking for the cheapDeliveroo Insurance? Get your quote today!
Get QuotesWhat Does Deliveroo Delivery Insurance Cover?
Generally, Deliveroo insurance covers:
- Goods in transit – the food you are transporting
- Third-party claims – if you injure someone (or damage their vehicle or property) while on duty
- Product liability – covers any damage to the product(s) being delivered
- Personal accident cover – if you (the driver) are injured whilst delivering food
What’s not covered
- Normal wear and tear of delivery vehicles (e.g. brake pads, tyres)
- Driving while under the influence of illegal drugs or alcohol
- Damaged caused due to negligence (e.g. leaving the keys in the ignition and the vehicle is stolen)
- Driving with an expired driver’s licence
- Using your delivery vehicle for any other reason than to deliver food (e.g. taxi services)
- Uninsured persons using your vehicle
- Uninsured personal belongings
Which modes of transport does Deliveroo delivery insurance cover?
Any mode of transport food delivery drivers use can be insured by food courier insurance:
- Cars
- Mopeds
- Motorcycles
- Scooters
- Vans
Does Deliveroo have its own insurance for delivery drivers?
Yes, Deliveroo offers free insurance to its drivers, known as Deliveroo Insurance. Deliveroo drivers are insured for the whole time they’re online and up to one hour after clocking off duty.
This free insurance covers:
- Rider accident cover – if you are injured and unable to work due to an accident
- Rider public liability cover – up to £1,000,000 of cover if you injure someone whilst on duty
- Earnings support – claim up to £35 per day if you’re unable to work (only for long-term drivers)
- New child payment support – regular Deliveroo drivers can claim £1,000 (once-off) on the birth/adoption of a new child
What Types Of Deliveroo Insurance Are Available In The UK?
There are three main types of fast food delivery insurance available for UK delivery drivers:
| Type of Insurance | Description |
|---|---|
| Pay-as-you-go (PAYG) policy | Ideal for part-time food delivery drivers (working a maximum of 20 hours per month) Available on an hourly basis Cover can be topped up via your insurance provider app TPO, TPFT and comprehensive cover options are available |
| Monthly policy | Perfect for short-term delivery drivers (e.g. during holiday periods) Also called: 30-day policies Offers short-term insurance cover Provides cover against road-related risks |
| Annual policy | Perfect for full-time fast food delivery drivers Offers year-round road-risk protection Generally includes social, domestic and pleasure (SD&P) insurance |
What Levels Of Deliveroo Delivery Insurance Can You Get?
Like any standard motorcar insurance policy, there are also three levels of cover you can choose from:
Third party only (TPO)
- The lowest level of cover available
- Minimum legal requirement to drive on UK roads
- Only covers third-party vehicles/persons in the event of an accident
- Does not cover repairs or medical expenses for you (the driver) or your vehicle
Third-party, fire and theft (TPFT)
- Offers a mid-tier level of cover
- Includes basic TPO cover
- Will compensate for damages to your vehicle if damaged by fire or stolen
- Will not payout for repair or replacement costs if your vehicle is involved in an accident
Fully comprehensive cover
- Offers the widest range of cover
- Includes TPO and TPFT
- Will cover personal medical and vehicle repair costs
- May include: SD&P insurance, windscreen cover, key replacement and public liability insurance (depending on the insurance provider)
Historically, TPO was the cheapest vehicle insurance option but nowadays comprehensive cover is more affordable, making it the preferred choice.
What Add-Ons Are Available For Deliveroo Insurance?Â
You can add several extras to your fast food courier policy, namely:
Breakdown cover
Provides financial support should your vehicle break down. Your vehicle may also be towed to a mechanic if it can’t be fixed next to the road. Some insurers may call this policy roadside assistance insurance.
Courtesy car cover
As you can probably guess, this policy covers the costs of hiring a courtesy vehicle when your vehicle is in for repairs.
Legal expenses cover
Pays for compensation and court fees should you (the delivery driver) be taken to court (or if you need to take someone to court).
Excess protection
This add-on reimburses your excess when making a claim.
Personal accident
Covers you if you’re seriously injured while working on the road.
Personal belongings cover
Pays out if delivery drivers’ personal goods are damaged or stolen while on duty.
EU cover
Also called, international insurance, covers you when making deliveries across the UK border.
Windscreen cover
Can be added to basic TPO and TPFT policies and, as the name suggests, covers the cost to repair or replace damaged, cracked or broken windscreens.
Employers liability insurance
This is a legal requirement if you hire delivery drivers as part of your business operations. It covers any employee claims brought against you if drivers are injured (or contract illnesses) whilst on duty.
Public liability insurance
While not legally required, public liability is beneficial to have. It pays for any legal fees and compensation claims should a third-party person claim against you.
For instance:
– You knock over a pedestrian when making deliveries
– You crash into another person’s vehicle at a busy intersection
– You damage third-party property, like a wall, when swerving for a cat in the middle of the road.
Note: Add this policy extra if it is not included within your standard food courier insurance policy.
How Much Does Deliveroo Insurance Insurance Cost?
Fast food delivery insurance costs around:
- £0.80 per hour – pay-as-you-go insurance
- £110 to £130 – monthly
- About £1,100 – annually
What impacts food delivery insurance prices?
Food courier insurance costs depend on a variety of factors. Just like with personal car insurance, these may include:
- Time of day you work (peak vs off-peak hours)
- Delivery drivers’ age
- Claims history
- Driving experience
- Mileage
- Mode of transport used for delivering food
- How secure your vehicle(s) are when not in use
- Location of where your deliveries are made (urban vs rural)
How Can You Reduce Your Deliveroo Insurance Premiums?
You can get cheaper Deliveroo insurance in similar ways to how you would keep domestic car insurance down:
- Choose a vehicle that is categorised as lower-risk (i.e. in a lower insurance group/bracket)
- Adjust your working hours (if possible) – off-peak times tend to have lower rates
- Regularly service your delivery vehicles – to reduce premature breakdowns and wear and tear
- Park your vehicle safely overnight – in locked garages/private driveways to deter criminal activity
- Install additional security measures – like immobilisers, alarms or CCTV cameras
- Build and protect your no-claims bonus – to show insurers you are less likely to make a claim
- Select a higher voluntary excess – to reduce the price you pay for food delivery insurance
- Install a black box or telematics device – to monitor how you drive
- Only add the optional extras you need – to avoid paying more on your premiums
- Opt for an annual policy – rather than monthly instalments
- Shop around for deals – using our online comparison tool
How To Compare Deliveroo Delivery Insurance With SimplyQuote?
Deliveroo drivers can compare fast food delivery insurance quotes with SimplyQuote in four steps:
- Provide details via the short form: Tell us about yourself, the mode of transport you use for food deliveries and where you’re based within the UK.
- Choose policy extras: Choose which additional cover you want to include on your food delivery policy.
- Compare quotes: Effortlessly find cheaper food delivery quotes with SimplyQuote’s online tool.
- Save cash: Get the best deal to start reaping the rewards today!
Frequently Asked Questions
Deliveroo insurance is a type of hire and reward insurance, specifically aimed at fast food couriers.
Food delivery drivers need both standard vehicle and hire and reward insurance to legally operate in the UK.
Yes, all Deliveroo riders must have insurance cover when making fast food deliveries.