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Food Delivery
Insurance

Independent service from your local insurance specialists

Need a food delivery insurance quote?  Let the independent specialists at your local Coversure office compare their markets to find you fast food delivery protection.  Your local Coversure office can offer you tailor-made protection, so start your quote today.

Food Delivery
Insurance

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What Is Food Delivery Insurance?

Fast food delivery insurance is a flexible policy that gives food delivery drivers the protection they need. Whether you do your deliveries using a motorbike, car, or a van, with protection through Coversure, you can get tailor-made, quality protection against common risks, such as:
  • Accidents
  • Public liability should you injure someone or damage their property
  • Loss or damage of goods with goods in transit insurance
  • Money cover

Who Needs Food Delivery Insurance?

Fast food delivery insurance through Coversure can cover drivers who use:

  • Cars
  • Mopeds
  • Motorbikes
  • Vans

Regardless of vehicle type, you will need specialist cover if you are making food deliveries.  Any ‘risk and reward’ work will invalidate your standard car, bike, or van insurance policy.

It can also offer protection to a wide range of establishments, including:

  • Takeaways
  • Restaurants that offer delivery services
  • Café’s that offer delivery

That’s to name but a few.  According to the Office for National Statistics (ONS), the food delivery business is expected to be worth over £21bn by the end of 2022, so more and more people need high-quality food delivery insurance protection.

If you’d like some advice or a fast-food delivery insurance quote built around your needs, please get in touch with your local Coversure office.  They’ll be happy to give you the help you need to keep your business protected.

What can Food Delivery Insurance cover?

Food delivery insurance offers a package of protection that allows you to cover multiple risks on a single policy*.  Your local Coversure office can provide you with a policy to suit your needs and ensure you have all the elements you need without paying for those you don’t.  A typical policy might include:

Accidents

Like standard motor cover, fast food delivery insurance will protect you in the event of an accident. The level of protection will depend on whether you have third-party, third-party fire and theft, or fully comprehensive cover

Goods in Transit

If you deliver goods to your customers, then goods in transit insurance is a good policy element to have in place.  This will protect the stock you are travelling with from theft, loss, or damage while you, or your drivers and their deliveries, are on the road

Employers’ liability

This is a legal requirement if you employ people. It provides cover in the event of your employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) to protect your employees in case they are injured or become ill as a result of working for you. Your policy must:

  • Cover you for at least £5 million
  • Be with an authorised insurer
  • And employers must provide a safe working environment

Public Liability

Provides cover should a member of the public injure themselves or if their property is damaged while you are working.  It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities, for example if they slip on the floor and decide to sue you, you’ll be covered.

Much Does Fast Food Delivery Insurance Cost?

The cost of your policy will depend on several factors, including:

  • Your age
  • The hours that you are working
  • The location of your business/where you do your deliveries
  • The type of vehicle you are driving
  • Whether you carry cash
  • Your claims history
  • Whether you want to pay monthly or annually – annually will usually be cheaper
  • Your no claims bonus

The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Food Delivery cover for you.

Food Delivery Insurance FAQ

This can be a complex area of cover, so to help you get the protection you need, here are Coversure’s frequently asked questions.  We hope they will be of use, but if you’d like some personalised independent advice, contact your local Coversure office.

Anyone who delivers food using a vehicle

Yes, like all motor vehicles, your delivery vehicle will need to be insured to be used on the road.  Also, doing paid deliveries on your standard car, bike, or van cover can invalidate your policy

That will depend on things such as your age – some insurers won’t cover drivers under the age of 23 – the vehicle you’re using, the hours you’re working, and where you’re doing your deliveries

Getting a quote is easy; contact your local Coversure office or start your quote today

Need a Food Delivery Insurance quote?

If you’d like a Food Delivery Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

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