Uber Food Delivery Insurance

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Food delivery is in high demand. Apps like Uber Eats will transport hot, delicious meals from a consumer’s favourite restaurants directly to their door, and all the consumer needs to do to make that happen is tap their smartphone or ask Alexa.

Growing popularity in the food courier service opens up more jobs for takeaway drivers or riders, particularly those looking for flexible shifts that suit their lifestyle. If you’re interested in becoming an Uber Eats courier, you’ll need to take out special insurance to cover you whilst you work.

Fast food couriers need food delivery insurance to protect them on the roads whilst driving or riding during their delivery work. Whilst this type of insurance can be pricey, you can find competitive quotes from leading insurance providers using Utility Saving Expert’s comparison tool. It’s free to use, unbiased and is guaranteed to generate the best prices.

Competitive food delivery insurance deals

Compare insurance policies for all types of food delivery for couriers using vans, cars, motorbikes, mopeds, scooters, or bicycles.

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Get quotes, fast. It takes just a couple of minutes to add some details about yourself, allowing us to tailor our results to suit your circumstances as a delivery driver.

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We aren’t tied to an insurance provider and always provide an honest and impartial comparison, so you’re guaranteed to get access to the best prices.

Fast food delivery insurance

Standard 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, and you might come across a few different names during your search.

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. You should avoid class 1 business use insurance, as this won’t cover your delivery work.

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

As food deliveries will not involve cargo that is of high value, the likelihood of theft is reduced compared to if you were a courier of luxury items. You might be able to reduce your premiums by being specific about the type of delivery service you offer.

Finding the right insurance policy

Class 1 business use insurance

Avoid this type of insurance. It is intended for short business journeys and generally for office-type jobs, for example, when staff need to travel between client meetings. This is insufficient insurance for you as a delivery driver.

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. This is what you need as delivery driver car insurance, but it’s better to be even more specific.

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 for theft, damages and loss in transit.

Specialist hot food delivery insurance

Looking specifically for 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.

Just like with standard vehicle insurance, you can choose from three types of cover:

  • Comprehensive
  • Third party fire and theft
  • Third party only

Comprehensive cover provides the best protection if there is an incident. Thid party only cover provides the least protection, and whilst some people expect this 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.

How to reduce the cost of Uber Eats delivery insurance

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 counter this.

Firstly, comparing multiple quotes will put you in a strong position to find affordable Uber Eats delivery insurance. On top of that, there are simple ways to improve your chances of being offered quotes with lower premiums.

Driving history

Having 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.


You can usually reduce the annual premium for your car courier insurance if you increase the excess you’d be willing to pay if there was an accident.


Professional drivers can take ongoing training to stay sharp on the roads. Providing evidence of this to insurers will usually lower premiums.


Taking security measures like fitting gadgets and parking securely lower premiums because you reduce the likelihood of your car being targeted by thieves.

How to compare quotes

You don’t make your takeaway customers wait around for you to deliver their food, and you shouldn’t have to wait around for food delivery insurance quotes.

Compare and select an insurance policy online within a few minutes. The process is quick and easy, so you don’t need to waste any time that you’d prefer to spend clocking on for a new shift.

There are a few simple steps to comparing takeaway delivery insurance quotes:

  1. Visit UtilitySavingExpert.com to use our free comparison tool
  2. Input some details about you, your driving history and vehicle
  3. Browse through the results we generate, tailored to your requirements
  4. Select the policy that offers the best value for your needs.