UK Just Eat Courier Insurance Quotes

Guide To UK Just Eat Food Delivery Insurance

As a Just Eat food delivery driver, your work involves a great deal of risk. Due to the time pressure to transport food while it is still warm, the multiple stops at unfamiliar locations, odd working hours, and long periods on the road, insurance providers categorise food delivery drivers as a job class that’s more prone to road accidents. For this reason, as a Just Eat courier, you are required to have a specialised insurance known as food delivery insurance, referred to as hire and reward insurance by insurance companies

What insurance do I need for Just Eat delivery?

If you work as a salaried employee for Just Eat, you can use the company’s mopeds and eBikes, and they come with insurance coverage provided by Just Eat, so there’s no need to purchase separate vehicle insurance (but you may need other types of insurance such as a personal accident or illness cover). However, if you work as an independent contractor, you’ll need hire and reward insurance for delivery driving. In this case, there are two options available to you, which includes:

• Obtaining a new policy that covers both your commercial and personal driving (usually sold as 30-day contracts or annual policies)
• Getting top-up (PAYG delivery insurance) coverage to supplement your existing personal motor insurance for your delivery driving

To ensure coverage for your food delivery work, it’s essential to possess Hire & Reward (H&R) insurance since your standard Social, Domestic & Pleasure (SD&P) insurance won’t protect you and your vehicles during your job activities. SD&P insurance is designed for personal driving, such as trips to the store or visiting friends, while food delivery insurance offers sufficient coverage to you whether you work with Just Eat, Deliveroo, or Uber Eats, or you operate independently. Different providers may name this policy differently, so you need to look out for terms like food delivery insurance, fast food delivery insurance, food courier insurance, and Just Eat delivery insurance.