Courier
Do food delivery drivers (Deliveroo, Just Eat) need hire and reward insurance?
Food delivery drivers carry orders for payment, so a moped, motorbike or car used for the work needs hire and reward cover. Here is what to know.
Yes. Drivers delivering for apps such as Deliveroo, Just Eat and Uber Eats carry food for payment, and that needs hire and reward insurance. Standard car, van or motorbike cover does not include paid delivery work.
Why food couriers need hire and reward
Delivering takeaways for a fee counts as carrying goods for hire and reward, whether you ride a moped or motorbike or drive a car. A normal social or commuting policy excludes this, which could leave you without valid cover while you are working.
What food delivery drivers typically consider:
- Hire and reward cover for paid food delivery.
- Public liability, useful when collecting orders and handing them over at customers' doors.
- Goods in transit, optional, to cover the food you carry.
Vehicle type matters
The cover you need depends on what you deliver on:
- Bicycle: no motor insurance is needed, though some riders take public liability.
- Moped or motorbike: needs motorbike insurance that includes hire and reward. See our motorbike insurance page.
- Car or van: needs a car or van policy with hire and reward added, or a courier policy.
Each platform sets its own rules on vehicles and insurance, so check their current requirements before you sign up.
Flexible cover for part-time shifts
Because many food delivery drivers work flexible shifts, pay-as-you-go hire and reward is popular with those delivering a few evenings a week. It lets you switch cover on only for the time you are working. If you deliver most days, an annual policy may suit you better.
Getting a quote
With Kompare you fill in a short form about your vehicle and your hours. A specialist FCA-authorised broker from our panel then contacts you about quotes. Read how we work, or start on our courier insurance page.