Pay As You Go Food Delivery Insurance
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Why Compare Pay-As-You-Go Insurance At SimplyQuote.co.uk?
Food delivery drivers are usually on the go. Whether you are working full-time or it is just a side-gig, odds are you’re juggling a lot of things at the same time.
So, stressing about finding the right insurance policy just adds to your already overburdened plate.
Enter: SimplyQuote. Through our partnership with Quotezone, we make finding and comparing insurance quotes simple. The free online comparison tool allows you to explore insurance options quickly and easily in just a few clicks.
What Do You Need To Get An Insurance Quote?
Provide the following to receive quotes:
- Personal information: Name, age and address
- Vehicle details: Type, registration, estimated value
- Delivery frequency: How often you plan on making deliveries
- Driving history
- Claims history
Why Do You Need PAYG Delivery Insurance?
Any food delivery platform, like Just Eats, Uber, or Deliveroo requires that their delivery drivers have proof of an insurance certificate.
For part-time delivery drivers, pay-as-you-go (PAYG) food delivery insurance offers a straightforward way to get covered for their shifts.
Having some form of courier insurance is essential for any drivers who want to deliver third-party food parcels. Hire and reward insurance – a type of courier insurance – is just one way to get yourself covered for delivering food. Alternative options include “Fast food delivery insurance” and “Carriage of goods” insurance.
PAYG delivery insurance is one of the easiest ways to get covered for a food courier role. Unlike traditional hire and reward policies, PAYG lets you take out cover for short periods – only when you need to make a delivery. As a result, drivers don’t have to make a big investments for an annual policy and can pick up short-term cover where and when they need it.
What Are The Benefits Of Pay-As-You-Go Food Delivery Insurance?
There are several benefits to PAYG food delivery insurance:
Affordable
Firstly, and for many people most importantly, PAYG delivery insurance can work out cheaper than standard fast food or hire and reward insurance. Since the cover can be turned off between deliveries, you’re only ever paying for insurance when you need it.
Flexible
The flexibility offered by a PAYG policy is one of its biggest advantages. The majority of food delivery platforms do not offer their employees secure shifts.
Being able to get insurance quickly and on an ad-hoc basis means you won’t be paying for insurance while you’re waiting for work.
No need to commit to an annual policy
Annual insurance policies can be expensive and inflexible. When they’re already paying a significant amount for social, domestic and pleasure vehicle insurance, it’s understandable that food drivers might not want to shell out for a further 12 months for another policy.
What Does Pay-As-You-Go Food Delivery Insurance Cover?
PAYG insurance only covers you while you’re driving to make deliveries, and typically includes the following:
- Public liability insurance: This covers you financially should you injure a member of the public or damage their property while out on deliveries.
- Products liability insurance: Covers the products – the food items – that you are transporting should the food spoil or make a customer sick.
What’s not covered?
Most PAYG food delivery insurance policies don’t cover the following:
- Personal use: Driving your vehicle for social, domestic, pleasure (SDP) or commuting for another job.
- Personal belongings: If your personal items are damaged or stolen from the delivery vehicle.
- Personal injury: Injuries to yourself or your passengers when in an accident during a delivery trip.
Which delivery vehicles are covered?
- Cars
- Scooters
- Motorbikes
- Vans (although van insurance may be required)
What Are The Different Types Of Pay-As-You-Go Delivery Insurance?
There are two main types of PAYG delivery insurance offered by most insurance companies:
Per Hour
This is the most common type of PAYG insurance. You will be charged a set hourly rate for each hour that you’re actively delivering takeaway food.
Per Trip
This type of PAYG policy is much less common. You will pay insurance per delivery trip, making it a better option for someone who does infrequent, short delivery trips.
What Levels Of Pay-As-You-Go Insurance Cover Can You Get?
Just like with standard car insurance, you get third-party only, third-party, fire and theft, and comprehensive cover.
Third-party only
This is the minimum legal requirement to drive a car on public roads in the UK. With this cover, you will be financially protected if you injure a third party or cause damage to their vehicle or property. However, your own vehicle is not covered.
Third-party, fire and theft
This offers the same level of cover as third-party-only insurance, but your vehicle will be covered if it is damaged by fire or stolen.
Comprehensive cover
This comprehensive cover protects you from third-party claims, legal expenses, and also covers the cost of your own vehicle should it be broken, stolen or in need of repairs following an accident (even if you were at fault).
Which Group Add-Ons Are Available For Pay-As-You-Go Policies?
The add-ons that are available will depend on your chosen insurance provider as well as how comprehensive your cover is.
Consider the following extras for your PAYG insurance policy:
- Breakdown cover: Offers roadside assistance and towing if your car breaks down next to the road.
- Personal belongings cover: Covers repairs or replacements for your personal items stored in your vehicle.
- Courtesy car: Provides a courtesy vehicle so you can continue to do your deliveries if your own car is in for repairs.
- Personal accident cover: Covers your medical bills if injured while on the job. May also cover lost income and disability benefits if you can’t work.
How Much Does Pay-As-You-Go Food Delivery Insurance Cost?
The cost of PAYG delivery insurance depends on the type of vehicle that you’re using. Small, personal vehicles such as scooters have the cheapest rates, while the highest premium is charged for large vans.
Here’s an overview of what you can expect to pay for your PAYG food delivery insurance:
| Vehicle Type | Cost per Hour (£) |
|---|---|
| Scooters | £0.50 – £0.60 |
| Motorbikes | £0.70 – £0.80 |
| Low-emission cars | £0.75 – £0.85 |
| Standard cars | £0.85 – £3.00 (depends on engine size and car value) |
| Small vans | £1.00 – £2.00 |
| Large vans | £2.00 – £3.00 |
Bear in mind that these are only rough figures and the rates can change between providers. However, feel free to use these numbers as a general guide when calculating an estimated cost for your PAYG insurance.
Which factors influence the cost of food delivery insurance premiums?
- Driver’s age and driving experience
- Type of vehicle
- Frequency of deliveries
- Hours of delivery
- The location where deliveries are made
- Level of cover and policy add-ons
- Per hour or per trip PAYG insurance
- Voluntary excess
How Can You Get Cheaper Pay-As-You-Go Insurance Rates?
PAYG insurance is already an affordable insurance option if you deliver food part-time, but here are some tips to reduce those premiums even more:
Deliver less frequently
How often you deliver food will be the biggest factor influencing the insurance cost. By delivering less frequently you are less likely to be involved in an accident, and you’re guaranteed to pay less for insurance.
Shop around
Compare PAYG food delivery insurance quotes from many different insurance providers to find the best deal. The comparison tool from SimplyQuote makes this incredibly easy.
Install black box technology
By installing a black box device, your insurer can track your driving habits. Fast food delivery drivers who can prove that they drive responsibly will enjoy lower premiums.
Consider a smaller or safer vehicle
The value and safety of your delivery vehicle will influence the cost of your insurance. A car is considered less risky than a motorbike, resulting in cheaper insurance rates.
Increase your excess
Your excess is how much you have to pay out-of-pocket when you make a claim. When you increase your voluntary excess, your insurer knows you’re less likely to make a claim, thereby reducing your premiums.
Limit riskier deliveries
Late-night deliveries or orders in high-crime areas may increase your premiums, so keep these to a minimum.
Don’t over-insure
Avoid adding extras to your policy that you don’t need. For example, you won’t really need personal belongings cover if you drive a small moped and don’t carry any valuables with you.
How To Compare PAYG Delivery Insurance Quotes At SimplyQuote.co.uk
Start saving on your food delivery insurance in just four easy steps:
Fill in the online form
Provide your personal information and delivery details.
Choose optional extras
Select your level of cover and any add-ons.
Compare quotes
Start comparing PAYG insurance quotes.
Save money
Find the most affordable insurance policy today.
Frequently Asked Questions
Pay-as-you-go delivery insurance is a type of temporary/part-time cover that is classified as “Hire and Reward Insurance”. It is an additional cover for food delivery drivers who have an existing social, domestic and pleasure vehicle policy.
PAYG insurance can typically be “turned on and off” as the delivery driver pleases. This means that a courier can take out cover at the start of their shift and then turn it off when they’ve finished working. In some cases, drivers can even deactivate their cover between deliveries when they’re not carrying food. The process is usually done via a smartphone app.
To keep tabs on what delivery drivers are doing while they are covered, most PAYG insurance providers will require a “black box” to be installed in the delivery vehicle. A black box is a tracking device that records information about the deliveries the driver is making, as well as the quality of their driving.
If your PAYG insurance company starts to notice that you’re making deliveries without activating your cover, or are driving dangerously, then they might stop you from taking out PAYG cover in the future.
To get PAYG delivery insurance, you must first have a vehicle with a valid social, domestic and pleasure insurance policy. You can use SimplyQuote to get an instant quote on your hourly food vehicle insurance rate.
Yes, having some form of food delivery cover is required to deliver third-party food items for payment. It’s important to understand that standard car insurance does not provide sufficient cover for delivery drivers.
Whether you choose hire and reward or fast food courier insurance, it’s essential to have something sorted before making your first delivery. If you are caught delivering without the right insurance policies, then you could face a fine or points on your license.
In addition, insurance claims can be voided if you were found to be delivering food without insurance if you were involved in an accident. This could also arise if your vehicle gets stolen during a delivery.
Written by Chris Richards
Page last reviewed on 29th January 2025 by Chris Richards