Uber Eats Delivery Insurance
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Why Compare Uber Eats Delivery Insurance Quotes With SimplyQuote?
Fast food delivery drivers are almost always on the go, dashing from the restaurant to the next client.
But, you need food delivery insurance to protect you on the road while driving or riding for your delivery work. And food delivery insurance – a type of business insurance – can get pricey.
But, with SimplyQuote, you can find competitive quotes from leading insurance providers using the comparison tool! It is free to use, unbiased, and can help you find the best insurance provider offering the most affordable prices.
What Do You Need To Get A Quote?
Provide SimplyQuote with the following info to get food delivery insurance quotes:
- Personal information: Name, age and address
- Type of vehicle that you’re using for deliveries: Car, van, motorbike, scooter
- Driving record: How much experience you have
- How often you plan to deliver: Are you full-time or part-time or just for a holiday season
Why Do You Need Uber Eats Delivery Insurance?
Standard car insurance cover that insures you when you’re driving your vehicle for personal use won’t protect you whilst you’re delivering takeaway meals. You’ll require specialist insurance, which is also called:
- Food delivery insurance
- Fast food delivery insurance
- Takeaway delivery insurance
- Deliveroo delivery insurance
Delivering food using your own vehicle will usually mean you’re providing a hire-for-reward service, which is a business service. Therefore, you’re looking for a specific sub-set of business car insurance.
Insurers will often consider carriers of goods as high risk. This is because, as part of your delivery work, you may:
- Cover many miles and make multiple stops
- Race against the clock to deliver food before it gets cold
- Transport goods that may attract thieves
- Work long hours, often in darkness
To protect yourself while on the road, you will require specialist motor insurance created for delivery drivers.
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What Does Uber Food Delivery Insurance Cover?
Uber food delivery typically covers the following while you’re out on delivery:
- Third-party liability: This covers compensation if you injure someone or damage their property while on a delivery run.
- Collision: It depends on the level of insurance you get, but will cover you and your vehicle if you’re involved in an accident.
What’s not covered?
- Uninsured motorists: Anyone driving your vehicle that’s not listed on the policy.
- Damage to the vehicle while logged on to the Uber Eats app: The policy will only cover you when you’re actively delivering food.
- Personal belongings: Any of your personal items that are stolen from your vehicle.
- Wear and tear: Normal wear and tear from use (like worn tyres) are typically not covered.
- Driving under the influence: When you cause an accident when driving under the influence of drugs or alcohol.
What kind of vehicles does fast food delivery insurance cover?
- Cars
- Scooters
- Motorbikes
What Are The Types Of Uber Eats Delivery Insurance?
Uber Eats Insurance is a type of business insurance policy. Within this category of business insurance, there are four types of delivery insurance that applies to Uber Eats drivers:
Class 3 business car insurance
Offering a greater level of insurance, this type of insurance is sometimes called commercial car insurance. It allows you to use your car for work purposes.
Note: Avoid Class 1 business insurance. This insurance type is aimed at those who have office jobs and travel for work to client meetings. This insurance type is not adequate for delivery drivers.
Specialist hot food delivery insurance
Hot food delivery insurance or specialist takeaway delivery insurance helps your insurance company differentiate your work from that of a package courier or taxi driver. This will mean you get more specific quotes and possibly lower premiums.
Courier insurance
A sub-set of business insurance, courier insurance covers you to deliver goods on behalf of your clients (the restaurants) to various drop-off points (the homes of your customers). This will usually also protect the actual goods you’re transporting from theft, damages and loss in transit.
What Are The Levels Of Uber Eats Delivery Insurance?
Just like with standard vehicle insurance, you can choose from three levels of cover:
- Third-party only: This cover only protects you if you damage the property of or injure a third party. It will not pay for repairs of your own vehicle or your own medical expenses.
- Third-party, fire and theft: It offers similar cover to third-party only, and will also cover your vehicle if it is stolen or damaged in a fire.
- Comprehensive cover: With this cover, you are financially protected even if you caused the accident. Your own repairs, injuries and medical expenses will be paid for.
Whilst some people expect third-party only cover to be the cheapest option, it’s a common misconception. It’s a good idea to compare quotes across all levels of cover, to be sure you’ll find a deal offering the best value for money.
Which Add-Ons Are Available To Your Uber Eats Delivery Insurance Policy?
Some of these may be included in your comprehensive cover, but if not, consider adding one of these optional extras to your insurance policy:
- Breakdown cover: Also called roadside assistance, roadside repairs and towing to a mechanic will be covered.
- Excess cover: With this add-on, your voluntary excess will be paid for reduced (but you will be left paying higher premiums).
- Personal accident cover: Pays your medical bills if you’re involved in an accident. It may also cover lost income and disability benefits.
- Courtesy car: Pays for the price of hiring a replacement vehicle or provides you with a vehicle so you can continue with your food deliveries if your personal vehicle is being repaired.
- Public liability insurance: Provides cover if you injure a member of the public or damage their property while not driving but still out on delivery (e.g. fall on a person’s porch and break their antique plant vase).
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How Much Does Uber Eats Delivery Insurance Cost?
Food delivery insurance rates vary based on the level of cover required and the insurance provider, typically ranging from £650 to £1200 per year.
Which factors influence the cost?
- Age of the driver: Younger drivers are higher risk.
- Driving experience: More experience and a clean record means lower premiums.
- Claims history: Past claims will bump up your premiums.
- Location: If you drive in high-crime areas or high-traffic zones your premiums are higher.
- Type of vehicle: Cars are usually more affordable to insure than motorbikes.
- Frequency of deliveries: The more miles you drive, the higher your risk of being involved in an accident.
- Time of day: It is considered riskier to drive at night.
- Level of cover: Whether you get third-party only, third-party, fire and theft, or comprehensive cover.
- Excess: A higher voluntary excess will enjoy lower premiums.
How Can You Reduce Your Uber Eats Delivery Insurance Premiums?
Navigating busy urban roads in darkness or at rush hour increases the dangers that Uber Eats couriers face during each delivery. Due to this, insurance policies can have high premiums, but there are a number of ways to reduce your insurance premium:
Shop around
Firstly, comparing multiple quotes will put you in a strong position to find affordable Uber Eats delivery insurance, which is why you should use the comparison tool to get the best value insurance policy.
Clean driving history
Having a good driving history with no claims and a clean license will show your insurer that you are a safe driver with a low risk of making a claim.
Higher excess
You can usually reduce the annual premium for your Uber delivery insurance if you increase the excess you’d be willing to pay if you were to make a claim.
Safe driving course
Professional drivers can take ongoing training to stay sharp on the roads. Providing evidence of this to insurers will usually lower premiums.
Security
Taking security measures like immobilizers, central locking and parking securely lowers premiums because you reduce the likelihood of your car being targeted by thieves.
Black box technology
Installing a black box (also called a telematics device) in your delivery vehicle will allow insurers to track your driving habits. If you drive responsibly, you will have lower premiums.
Pay annually
Paying your policy once a year means you won’t have to foot the bill for monthly interest.
How To Compare Uber Eats Insurance Quotes With SimplyQuote
Getting an Uber food delivery policy is easy with SimplyQuote:
Fill in our short online form
Tell us about yourself, your delivery vehicle, and how often you plan on making food deliveries.
Choose level of cover and add-ons
Decide how comprehensive you want your insurance policy to be.
Compare quotes
Receive quotes from the top food delivery insurance providers.
Start saving
Find the most affordable deal that meets your needs.
Frequently Asked Questions
Uber Eats delivery insurance is a specific type of business insurance designed to cover the risks associated with delivering food via the Uber Eats platform.
It differs from standard personal insurance policies as it considers the risk faced by an Uber Eats delivery driver.
No, Uber Eats does not offer insurance, and the company requests that their drivers have proof of an insurance certificate.
You can get Uber Eats delivery insurance from a number of different insurance companies. You can compare rates and policies from different companies online via SimplyQuote.
Once you have chosen an insurance company, you will need to provide them with some information about yourself and your vehicle, such as your name, address, driver’s license number, and vehicle identification number. You will also need to provide them with information about your driving history, such as the number of accidents you have been in and the number of tickets you have received.