Food Delivery Insurance
Insurance for Food Delivery in the UK
Our comparison site covers all delivery types for fast food; car, bike and van. See how much you can save now through Pricepoint Compare.
Food delivery, whether for takeaways, restaurants or groceries, has grown in popularity in recent years. The nature of the work can vary significantly between working full time for one establishment, part time work around other commitments as well as working for a food delivery app that will deliver food from a range of different outlets. One thing unites all food delivery, it can be a stressful ordeal, under pressure to deliver the food before it gets cold.
Find the most competitive car insurance for food delivery
There is no one food delivery insurance package that suits all delivery drivers; there are many different factors and risks that must be considered when choosing the right insurance for you or your food delivery drivers. For self-employed food delivery drivers, choosing an insurance policy that can ensure your vehicle is repaired or replaced in the event of a crash could be your top priority. For food outlets that hire and employ the delivery drivers, finding the right insurance for delivery drivers could be critical to ensuring the profitability and smooth running of your business.
- Compare the whole market
- Save Money
- Free comparison service
At Pricepoint Compare, we help you to find the most suitable food delivery insurance by searching through all the hundreds of insurance companies to get one that is affordable and provides good value for money. We will display three of the lowest insurance prices available for you to choose from.
As an insurance cover comparison platform, we provide our service for free. We help you connect with the most affordable insurance provider for all of your food delivery insurance needs at no charge to you. However, just because our service is free doesn’t mean that the quotes you receive are higher. On the contrary, you will get cheaper quotes from our platform than if you went directly to the insurance provider.
Types of Food Delivery Insurance
Food delivery insurance is a blanket term used to describe a range of insurance products that are either legally required or strongly recommended for food delivery drivers. To help you understand which food delivery insurance you need, we’ve put together this helpful guide.
Insurance for Food Delivery Drivers FAQs
Are food delivery drivers insured?
Every car on British roads requires at least third party insurance. For food delivery drivers specifically, they require specific courier insurance that covers the vehicle for the delivery of goods between various collection and drop-off points. Standard car insurance covering Social, Domestic and Pleasure will not provide sufficient cover for food delivery drivers. When working for certain food delivery platforms and apps, the delivery driver will often be covered by the insurance of the platform. However, if you are an independent contractor, it is important to understand that it is the delivery driver, and not the delivery vehicle, that is covered. In most circumstances, the responsibility of insuring the vehicle remains with the delivery driver themselves.
What insurance do you need to deliver food?
For the majority of food delivery drivers, there are two insurance policies to consider. These are:
- Courier insurance
- Goods in Transit insurance
The courier insurance will cover the vehicle, whilst the Goods in Transit insurance will cover the contents and goods that you are carrying. When browsing for quotes for courier insurance online, you will likely come across the terms Hire and Reward. This term is related to the personal insurance term Social, Domestic and Pleasure. Hire and Reward is the insurance level that you will require to cover activities such as food delivery. Having a Hire and Reward level of insurance cover does not count as dual insurance if you already have a Social, Domestic and Pleasure policy in place, as the two insurance policies cover different types of risk.
Courier insurance is separate and different from haulage insurance, which typically covers long distance deliveries between set destinations whereas courier insurance for food delivery drivers covers typically shorter journeys between various collection points and destinations. Goods in Transit insurance is not a legal requirement, but if you are delivering high value goods, it should be considered.
What happens if you deliver food without insurance?
Driving without sufficient insurance can have a range of consequences, ranging from points on your licence through to having your vehicle seized. It also means that in the event of an accident, you and your vehicle will not be covered, which could leave you in significant financial distress.
How much is food delivery insurance in the UK?
There are many variables that will determine the cost of food delivery insurance in the UK, which is why it is important to shop around using a comparison site to get the best price! Using Price Point Compare you can find cheap food delivery insurance quotes.
How to get cheap Food Delivery Insurance
Here are our best tips on how to get the best price food delivery insurance in the UK
Research
Once your existing provider has sent you your renewal, you have you have your first price. This is the step to finding cheap food delivery insurance, whilst also seeing the benchmark of what is to be included in your policy to be covered.
Now visit a comparison site such as Price Point Compare and use the renewal as your template to get a competitive price verses your existing cover level. You can also use the comparison to review your cover level to make sure these still fit your needs, such as the excess level.
Haggle and Negotiate
When you have your price, you can now call your existing provider and negotiate haggle or barter with them to make sure you have the best price. All insurance companies have a retention team, they are called the cancellation team. It is their job to retain you. As with all business it's better to retain rather than let someone walk out the door.
Be nice, the person you speak to will control the final price even if they say they don’t. Once you get through to the cancellation team, be upfront, you have a competitive price matching the cover level you require to meet your needs and you need a better price otherwise you will be leaving. This breaks through to the price. The agent you speak to will try to review your cover level, you have covered this in your statement of intent that no you do not want a policy review, you want a better price.
Stay firm
Give the price from the comparison sites; don't be tempted to exaggerate. The agents can see if you have used a comparison site if they have been asked for a price by the comparison site. Don’t fill in blank silences the agent wants you to feel awkward remember you have all the details and they now have it, it’s their choice to better the price Don’t accept the first offer do your numbers before accepting or rejecting, cancelling and moving to a new provider.