Fast Food Delivery Insurance

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  • Fast Food Delivery Scooters
  • Cars & Motor Bikes, Vans  
  • hire and reward insurance for food delivery
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  • Food courier Insurance
  • Takeaway delivery driver insurance

Food courier insurance for Fast Food Delivery

Food delivery insurance is essential for anyone providing a food courier service. The delivery service may by a scooter, bicycle , motorbike or small car. If you provide this service, take note that standard insurance does not extend to using your mode of transport as a delivery vehicle. You will need a special type of insurance which is sometimes referred to as food courier insurance. We can provide you with multiple quotes for this specialist insurance.

The internet has changed how people shop, brick and mortar shops now struggle to compete against online shopping services. Food delivery apps have enabled food to easily order and delivered with a few clicks. This has all led to a boom in the food delivery sector, which will continue until drones arrive at your door with a pizza hot out of the oven.

food delivery drone

Fast Food delivery service by car / hire and reward insurance for food delivery

Do not assume that your standard car cover is sufficient to provide cover if you are using your car to provide a delivery service. The fact is that you will invalidate any cover that you may have. Separate cover is required should you wish to provide this type of service. The first step is to contact your current broker and let them advise you of the available options for business use.

Fast Food delivery service by scooter 

Again if you intend to use your scooter, moped or motorbike to deliver food you first need to contact your insurance broker. They will advise you on the best way to get the cover required particular to your business model. Your standard bike insurance does not cover your for delivery services. The  reason is that your intended use has changed. You will now be using your bike constantly and most likely at night time. These two reasons alone will make you more likely to being involved in a road accident. As such your broker will increase your premium before giving the okay to use your motor scooter to deliver fast food.  

fast food delivery insurance

Like cars the insurance costs will to some extent depend on the actual vehicle. For the lowest rates choose a scooter with engine size 125 cc or less. Go above that and fat food delivery insurance costs will escalate.

Food courier service by push bike or cycle 

The typical standard bike policy is just designed to cover your bike if stolen or damaged.This is a good idea especially if delivering food late at night in built up areas. However, cycling liability cover is not included. 

If you are using you cycle to courier food for Ubereats, a restaurant or a takeaway then you should consider taking out a cycling liability policy.  Unlike other forms of transport it is not a legal requirement to take out additional cover to cover delivery by bicycle. The choice is yours.

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How much does fast food delivery insurance cost

This depends on a number of factors, some of these are related to your vehicle and driving history other are related to the details of the actual delivery service. We have listed some of the key factors below. 

The delivery Service

  • Driving history and length of time providing service
  • Service area rural being less expensive than Inner city
  • Operating hours: late night deliveries will be more expensive as the likelihood of accidents increase

The delivery Driver and vehicle

  • The insurance category of the vehicle small cars/vans will attract a lower premium 
  • Your history of insurance claims against your policy.
  • The excess amount or the amount that you accept liability for. If you can accept a higher excess for a lower premium in return

Why are fast food delivery insurance rates high compared to standard car insurance

  • Drivers delivering fast food are constantly running against the clock to make deliver deadlines. This added time pressure can lead to more accidents.
  • Working long hours, late at night and often in poor weather conditions 
  • Sometimes this is a second job adding to the tiredness of the drivers.

What is fast food delivery insurance ?

It is important to understand  that your standard car policy does not cover delivering food from restaurants or takeaways. If you provide such a service you will need specific ' hire for reward insurance'.

Why use Compare Courier Insurance

We can provide you with multiple quotes for fast food delivery insurance. Start the process by selecting get a quote button below and complete a simple online form detailing your food courier business. After this  you will start receiving quotes from top rated UK brokers that deal exclusively in fast food courier insurance.

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