Pay As You Go Cover

Pay As You Go Food Delivery Insurance

– Only Pay When You’re Delivering

Compare PAYG food delivery insurance from specialist UK brokers. Only pay for the hours you work — ideal for part-time Deliveroo, Uber Eats & Just Eat drivers who want flexible hire & reward cover without an annual premium.

FCA Regulated

Quick Form

No Obligation

Get Your PAYG Delivery Insurance Quotes

Compare pay-per-hour cover from specialist brokers

Pay only for the hours you deliver

Activate & deactivate cover instantly

Perfect for part-time delivery drivers

PAYG cover requires an active SD&P policy. Quotes are provided by a panel of specialist courier insurance brokers.

GET MULTIPLE QUOTES →

FCA regulated providers

How It Works Compare PAYG Models PAYG Rates PAYG Benefits What’s Not Covered Coverage Levels Save Money Find Cheap Quotes FAQs

Why compare pay as you go food delivery insurance with MultiQuoteTime.co.uk?

If you are in the delivery sector, either as a part-time gig or full-time, finding suitable insurance can be a chore, and finding a policy to suit your unique requirements can take time.

For most, it is just a hassle, but at the same time, it is important that you do the research to find a good deal and save some money. Enter MultiQuoteTime provides you access to a streamline online quote process. MultiQuoteTime.co.uk makes it easy for you to compare fast food delivery insurance from trusted UK insurers—all in one place.

What is pay-as-you-go delivery insurance (PAYG)?

This type of cover is a form of hire and reward insurance and provides you with the necessary legal cover for you to work as a delivery driver. The PAYG Delivery Insurance is only activated when you are working and making delivers.

The amount you pay for cover is simply but based on usage. The more you use, the more you pay and vice versa. This makes it a good fit for those that work on a part-time or seasonal basis to supplement their income.

If you are using your private vehicle, car, van or bike to provide a delivery service you need a special type of cover often referred to as pay as you go food delivery insurance. The pay as you go or use model (PAYG) is relatively new to the UK insurance marketplace. First introduced in 2013 under the Cuvva brand. In basic terms, it allows customers to buy pay-as-you-go insurance via an app.

The pay as you use approach provides a form of temporary insurance that covers you for providing a delivery service. This disruptive technology is popular in all sectors of the UK insurance market. PAYG courier insurance is an offshoot and is perfect for fast food delivery drivers that operate for the local takeaway or via Deliveroo. ZEGO insurance was one of the first to provide this insurance model for delivery drivers and couriers.

The pay as you go fast food delivery insurance is in addition to your social, domestic and pleasure vehicle insurance you took out to register your vehicle which can be third party, third party fire and theft or comprehensive. This extra type of coverage can be added to anyone of those.

Pay as you go delivery insurance is the ideal coverage for part-time delivery drivers who work less than 20 hours a week or on a seasonal basis.

How does pay-as-you-go food delivery insurance work?

The process is simple. If you are not an existing customer, you must first create a central insurance management account with an insurance agent that offers PAYG cover. The deposit you place with them for this coverage can be as low as £25. Upon picking up a package to be delivered, you activate your coverage using your firm reference number. When you are done making the delivery, you deactivate the coverage. If you provide a delivery service by bike or scooter, you can also apply for PAYG bike insurance.

The activation is accomplished with a black box mounted to your vehicle that tracks your activity.

PAYG Delivery Insurance: Coverage Comparison

When choosing your PAYG delivery insurance, you will need to select a level of cover. The table below shows what is included at each level. Your PAYG cover will typically match the level of your existing SD&P policy.

Coverage Feature	Third-Party Only	Third-Party Fire & Theft	Fully Comprehensive
Hire and reward (legal delivery cover)	✔	✔	✔
Damage to other people’s vehicles or property	✔	✔	✔
Injury to third parties	✔	✔	✔
Fire damage to your vehicle	✘	✔	✔
Theft of your vehicle	✘	✔	✔
Accidental damage to your own vehicle	✘	✘	✔
Windscreen repair/replacement	✘	✘	✔
Cover even if accident is your fault	✘	✘	✔

*Third-Party Only is the legal minimum in the UK. Most PAYG providers match the level of your existing SD&P policy automatically.

Pay-As-You-Go Insurance: Only Pay For The Hours You Work

Pay per use model has gained popularity in the food delivery sector and also the car rental industry. Rental car companies need only activate the insurance when they actually rent out the vehicle.

In summary, the pay-as-you-go (PAYG) model is normally available on a pay-per-mile or pay-per-time basis. This payment on actual usage will be in addition to a flat rate that you pay even if you were never to use your car. It still works out cheaper if you do less than 6,000 miles per year or, as in the case of the delivery sector, you need extra cover on top of your existing car insurance policy.

Pay per mile : This model will employ a telemetric device that records miles driven, and the cost is then based on actual miles driven, this will benefit occasional users.

Pay per hour : Similar to pay per mile, the charge will be based on the actual time on the road and not the number of miles.

Pay per mile : This model will employ a telemetric device that records miles driven, and the cost is then based on actual miles driven, this will benefit occasional users.

Example: Pay Per Mile

The pay-per-mile model is less common for food delivery but is available through some specialist insurers. It suits drivers who cover short distances in a small delivery area. For example, a driver covering 60 miles per weekend in a small town would pay significantly less than a driver doing 300+ miles per week — making it ideal for very low-mileage, localised delivery work.

Pay per hour : Similar to pay per mile, the charge will be based on the actual time on the road and not the number of miles.

Example: Pay Per Hour

Sarah delivers for Deliveroo on weekday evenings and Saturday lunchtimes in Birmingham using her car — roughly 12 hours per week. Her PAYG rate through Zego is £1.10 per hour. That works out at £13.20 per week, or approximately £687 per year. Zego’s Combo Annual policy starts from around £1,393. For Sarah, PAYG saves her roughly £700+ per year. A scooter rider doing the same hours at £0.50–£0.70 per hour would pay even less — around £312–£437 per year.

When does PAYG stop saving you money? Zego themselves recommend PAYG for drivers working fewer than 20 hours per week. At an average car rate of £1.50/hr over 20 hours, your annual cost reaches approximately £1,560 — at which point a 30-day or annual hire and reward policy is likely cheaper and provides uninterrupted cover.

Weekly Hours	Approx. PAYG Annual Cost (Car)	Better Option
Under 10 hours	£420 – £780	✔ PAYG — clear saving
10–15 hours	£780 – £1,170	✔ PAYG — still cheaper for most
15–20 hours	£1,170 – £1,560	⚠ Borderline — compare both
20+ hours	£1,560+	✘ Annual policy likely cheaper

*Estimates based on Zego’s published PAYG car rates of £0.80–£3.29 per hour, using a mid-range rate of £1.00–£1.50/hr for a typical driver over 25. Scooter riders pay less (from £0.50/hr). Actual costs vary by vehicle, location and driving history.

What PAYG Delivery Insurance Does Not Cover

Pay as you go delivery insurance is designed to cover you while you are actively making deliveries. It is important to understand what falls outside the scope of your PAYG policy so you are not caught out in the event of a claim.

⚠️ Key point: PAYG delivery insurance is not a replacement for your standard vehicle insurance. You must have an active Social, Domestic & Pleasure (SD&P) policy in place at all times, even when your PAYG cover is switched off.

Personal Use Driving

Your PAYG policy only covers you during active deliveries. Driving to the shops, visiting friends, commuting to another job, or any non-delivery use of your vehicle is not covered. Your underlying SD&P policy handles this.

Driving Between Deliveries

If you log out of your delivery app between orders or finish your shift but continue driving, your PAYG cover is no longer active. You must remain logged in and available for work for the cover to apply.

Goods in Transit

PAYG delivery insurance covers your vehicle, not the food or parcels you are carrying. If an order is damaged, lost or spoiled during transit, this is not covered unless you have a separate goods-in-transit add-on.

Personal Belongings

If your phone, laptop, sat nav or other personal items are stolen from your vehicle, standard PAYG cover will not pay out. Some providers offer personal belongings cover as an optional extra.

Personal Injury

Injuries to you or your passengers during a delivery are not typically covered by a standard PAYG policy. If this is a concern, look for providers that offer a personal accident add-on.

Vehicles Not on Your Policy

Your PAYG cover applies only to the vehicle registered on your policy. If you borrow a friend’s car or switch vehicles without updating your insurer, you will not be covered for delivery work.

💡

Tip: Check Your Add-On Options

Many PAYG providers such as Zego and INSHUR offer optional extras including breakdown cover, personal accident insurance, and courtesy car. These are worth considering if you rely on delivery work as your main source of income.

What data does the black box track when activated?

The black box is a telemetric device that records how the person drivers. It is able to record your location, speed of travel, how you drive smooth or always braking and accelerating to give you an overall score.

The times that you speed making deliveries.

Your speed when going around corners.

How fast you accelerate.

The mileage you achieve.

How suddenly you brake.

A GPS is part of the black box, so your location is always known.

The number of hours you are working can be tracked through your insurance company’s website. Some insurance companies have an app that provides you with the details that you need, like hours making deliveries. If you need fast food delivery insurance, it may be prudent to look at pay as you go insurance options.

How Pay-As-You-Go Insurance Saves Money for Part-Time Drivers

What are the benefits of PAYG fast food delivery insurance?

Pay-as-you-go (PAYG) cover is the most flexible way to stay insured while you work. Perfect for part-time riders or those working peak delivery hours.

Flexible Cover

Cover is only activated when you are actually working. You stay in total control of your insurance schedule.

Affordable Rates

For many, this is the cheapest entry point as you only pay for the hours you work. Ideal for supplementing income.

No Long-Term Tie-ins

Testing the waters? Switch, suspend, or stop your cover instantly without the cost of an annual premium.

FCA Note: Pay-as-you-go delivery insurance requires you to have an active underlying Social, Domestic, and Pleasure (SD&P) policy in place.

How much does pay-as-you-go delivery insurance cost?

Because this is a short term coverage, most insurance companies charge by the hour or the miles you travel. The type and size of vehicle and your driving history and your age will all play important factors into the cost of pay as you go food delivery insurance per hour or mile.

The list below is a rough guide to the cost of common delivery vehicles rated by the hour, covering the average named driver. For drivers under the age of 25, the cost will be more.

Vehicle Type	Cost per hour
Scooter	£0.55
Motorcycles	£0.75
A small economical car	£0.80
Large car with bigger the engine displacement	Range £0.80 – £3.00
Small Van	£1.00
Larger Van	Maximum of £3.00 per hour for larger vans

*Prices are indicative and based on specific driver profiles. Pay-as-you-go insurance requires an underlying SD&P policy.

6 Expert Tips to Lower Your PAYG Food Delivery Insurance Costs (2026)

Getting the best deal on any insurance policy depends on the level of risk you pose. Some factors, such as the property’s postcode, are fixed. However, you do have control over others. Below, we have listed some of the key factors to consider.

Limit deliveries

Limited Deliveries: Plan deliveries to reduce mileage and potential risk, which can help lower insurance costs.

Don't over-insure

Don't over-insure: Only add additional add-ons that you will benefit from. For example, do you need personal belongings cover if you're driving a scooter, or have you made the decision not to carry valuables in your work vehicle?

Pay Annually

Monthly payments are convenient, but they often work out more expensive due to additional processing fees. If possible, paying annually can help reduce the overall cost.

Get Multiple Quotes

Compare Multiple Quotes: Explore and compare PAYG insurance options from different providers. The comparison tool that MultiQuoteTime provides access to makes this simple.

Accept a higher excess

If you are a safe driver and are happy to voluntarily increase the excess, this normally results in lowering your premium. You will need to have access to this amount should a claim arise, so plan accordingly, possibly hold it in a quick-access account to earn some interest.

Reduce risk of theft

Take steps to increase the vehicle security by providing safe parking and adding theft deterrents.

PAYG – Pay as you go UK delivery Insurance FAQ’s

If I work for Amazon, Deliveroo Just eat Uber Eats, Do I Need Hire & Reward?

Special delivery insurance is required if you work for any of these companies. See our guide for Uber Eats delivery insurance.

What are the different types of cover available with PAYG car insurance?

Pay as you go insurance is normal only available as fully comprehensive cover, but some brokers will also provide third party level, the legal minium.

What type of insurance covers food delivery?

The type of insurance required for the delivery of food is a form of hire and reward insurance. Standard car insurance will just provide cover for social, domestic and pleasure use plus travel to and from work. This type of cover is inadequate for delivering food and if stopped you could be charged with driving without insurance. Food delivery insurance is a specific product developed to provide cover for those that work in food transportation services, some examples include Deliveroo, Uber Eats, and Just Eat.

Can I use PAYG insurance for Amazon Flex deliveries?

es. PAYG hire and reward insurance covers the activity of delivering goods for payment, not a specific platform. Providers like INSHUR offer a dedicated “Pay as you Flex” product specifically designed for Amazon Flex drivers, covering you only for the minutes you are actively delivering.

Is pay go insurance available for driver that are under 25?

Yes, most suppliers will provide cover for delivery drivers under the age of 25 and in some cases under the age of 21, but they may stipulate extra conditions, example installing a black box.

Courier Insurance Guides

Helpful articles and resources for delivery drivers

Popular Guide

Last Updated: 13 Feb 2026

Reviewed by: Eamonn Turley, Insurance Specialist