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Can I Use My Own Car As A Fast Food Delivery Driver?
The contemporary gig economy has opened up a variety of job opportunities that leverage the potential of side income big time. It’s ideal for those…
Food DeliveryInsurance
Food Delivery Insurance
Cover for car-based food delivery work, built around how delivery apps actually work.
Cover for car-based food delivery work, built around how delivery apps actually work.
Enter your vehicle registration
Hire & reward car coverUber Eats & Deliveroo
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Speak to an adviser today 0330 808 1119
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What is fast food delivery insurance?
Fast food delivery insurance covers you when you’re paid to deliver food for restaurants, takeaways or delivery apps. It typically means hire and reward cover for your vehicle, something most personal policies and platform insurance don’t fully provide.
“Working through a delivery app doesn’t automatically mean you’re insured, most platforms expect you to arrange your own cover.”
The right cover depends on:
What you driveWhich delivery platforms you useWhether you work across multiple appsYour driving historyWhether you need cover for more than one vehicle
Already delivering?
If you have already started delivery work on an ordinary private policy, tell your insurer now. Paid delivery is excluded from private cover, so a claim made while you were delivering can be refused, and the insurer can cancel the policy or treat it as never having been valid. They will either adjust the policy mid term or move you onto a hire and reward policy.
What your delivery app actually covers
What your delivery app actually covers
Signing up to an app does not insure your car. Every major platform expects you to arrange your own hire and reward cover before you take your first order. Checked October 2026, and worth confirming with your platform before you rely on it.
Signing up to an app does not insure your car. Every major platform expects you to arrange your own hire and reward cover before you take your first order. Checked October 2026, and worth confirming with your platform before you rely on it.
| Platform | Do they expect you to be insured? | What you still have to arrange yourself |
|---|---|---|
Uber Eats | Yes | Hire and reward cover on your own car. The platform does not insure your vehicle, and anything it provides sits on top of your own policy rather than replacing it. |
Deliveroo | Yes | Hire and reward cover on your own car. Deliveroo expects drivers to hold the right cover for the work before going on shift. |
Just Eat | Yes | Hire and reward cover on your own car, including when you deliver through one of their delivery partners. |
Direct for a restaurant or takeaway | Yes | Hire and reward cover on your own car. There is no platform cover involved at all, so everything sits with your own policy. |
Which class of use do you actually need?
Which class of use do you actually need?
Most drivers who start delivering are sitting on one of the first three. Only the last one covers paid delivery work.
Most drivers who start delivering are sitting on one of the first three. Only the last one covers paid delivery work.
Social, domestic and pleasure
Personal driving only. Shopping, visiting family, days out. No commuting, and no work use of any kind.
May suit you ifNot enough for delivery work
Social, domestic and pleasure plus commuting
Adds driving to and from one regular place of work. It covers the journey to a job, not driving as the job.
May suit you ifNot enough for delivery work
Business use
Covers driving as part of your own job, such as travelling between sites or out to see customers. Carrying goods or people for payment is specifically excluded.
May suit you ifStill not enough for delivery work
Hire and reward
Covers carrying goods or passengers for payment. This is the class you need to deliver takeaway orders, whether you work through an app or direct for a restaurant.
May suit you ifThe class food delivery drivers need
Not sure which class you are on?
Look at your certificate of motor insurance and read what it says next to use. If hire and reward is not mentioned, paid delivery is not covered. Tell us how you deliver and an adviser will confirm what you need.
Cover for the way you actually deliver
Single Platform
Cover for drivers working consistently for one app.
Multi-App Delivery
Cover for drivers switching between Uber Eats, Deliveroo, Just Eat and others.
Peak-Time Delivery
Cover for drivers focused on lunch and evening rush hours.
Full-Time Delivery
Cover for drivers who deliver as their main source of income.
New to Delivery
Get help understanding what cover you need before your first shift.
Why delivery drivers choose us
Why delivery drivers choose us
The right cover depends on your platform, your vehicle and your driving history.
The right cover depends on your platform, your vehicle and your driving history.
One Straightforward Policy
Cover built specifically around app-based food delivery, not adapted from standard car insurance.
Platform-Aware Advice
Guidance that understands how Uber Eats, Deliveroo and Just Eat actually work.
Fast, Clear Next Steps
A straightforward journey from quote to being covered, often the same day.
Expert Guidance
Speak with someone when you need help understanding what you actually need.
More Than Just the Vehicle
Support for goods in transit and liability cover alongside your hire and reward policy.
What happens if you deliver on the wrong policy
What happens if you deliver on the wrong policy
Taking a paid delivery on a private policy means you are driving uninsured for that journey. These are the penalties set out in law.
Taking a paid delivery on a private policy means you are driving uninsured for that journey. These are the penalties set out in law.
£300 and 6 penalty points
The police can issue a fixed penalty of £300 and six penalty points for driving a vehicle you are not insured to drive.
An unlimited fine
If the case goes to court the fine is unlimited, and the court can disqualify you from driving.
Your car can be seized
The police can seize the vehicle at the roadside, and in some cases it can then be destroyed.
A claim you pay for yourself
Your insurer can refuse the claim, leaving you to cover the damage to your own car, the other vehicle and any injury.
Every delivery driver works differently
Every delivery driver works differently
Choose a category to explore insurance products tailored to your business needs.
Choose a category to explore insurance products tailored to your business needs.
What affects the cost of food delivery insurance?
Food delivery insurance has no set price. It depends on the car you drive, your area, your age and experience, and where the vehicle is kept.
Vehicle type
The car you deliver in affects how you are assessed.
Which platforms you use
Single-app and multi-app work can be priced differently.
Whether you add goods in transit or liability
Adding goods in transit or liability cover changes what the policy includes, so it is worth deciding what you need before you compare.
Driving history
Convictions or claims can affect both price and eligibility.
How the quote process works
How the quote process works
Simple steps. Expert advice. The right cover for you.
Simple steps. Expert advice. The right cover for you.
1
Tell us how you deliver
Which platforms you work for, Deliveroo, Just Eat, Uber Eats or others.
2
Tell us about your vehicle
The car you deliver in.
3
We compare food delivery insurers
Hire and reward cover is required for paid food delivery. We find insurers who specialise in it.
4
Choose your cover
Pick the annual policy that suits how you deliver.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of delivery drivers across the UK
Trusted by thousands of delivery drivers across the UK
From your first shift to a full-time round, our customers trust Insurance Revolution to find the right cover.
From your first shift to a full-time round, our customers trust Insurance Revolution to find the right cover.
Food delivery insights & guides
Food delivery insights & guides
Practical advice on platform cover, vehicle choice and getting insured fast.
Practical advice on platform cover, vehicle choice and getting insured fast.
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Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about food delivery insurance and platform cover.
Find quick answers to common questions about food delivery insurance and platform cover.
Fast food delivery insurance is hire and reward cover for taking takeaway orders to customers for payment in your car.
Still have questions?
Our advisers are here to help you find the right solution.
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