Admiral Food Delivery Insurance

Admiral Carriage of Goods Exclusions  

The cover provide by Admiral does not provide cover for any goods, food or merchandise that you are transporting, For that you will need to take out a separate goods in transport insurance policy. 

Does Admiral Provide Private Hire Insurance?

No Admiral does not provide private hire insurance, a type of insurance that covers you for the carriage of passengers for a reward. So unfortunately, at the moment the cover is for carriage of goods only and does not provide cover for the carriage of passengers for reward. The number of insurance companies that now offer hire and reward insurance is expanding.  If you have an existing policy with ADMIRAL and are considering a top-up insurance to cover proving a delivery service, first check with ADMIRAL on swapping to the new carriage of goods insurance category.    

Admiral is still the only one of the top UK insurance providers that offers hire and reward insurance in the UK. This means that if you are insured with the likes of LV or Aviva, you will not be legally cover to provide a H&R service. Doing so, would effectively invalidate your insurance, and you could well be viewed as driving without insurance. The only option is to find a top insurance 

This covers anyone using their car to deliver third party goods, making it ideal for couriers or delivery drivers. You’ll then need to decide what level of cover you want:

If you hold an SD&P car policy, you are not covered for delivery of goods for reward. You will need additional hire and reward insurance, which you can purchase as an addendum to your policy.  The provider of your car insurance must be notified of your intention, and they must give consent. Since lockdown, the  surge in demand for delivery drivers has continued, but you require extra insurance to provide this service. Providing a delivery service under a standard social, domestic & pleasure or business use policy will invalidate any cover that you have. 

The good news is that the top-up delivery insurance is available with a select few of the new breed of disruptive insurance brokers, Zego being the current leader in the marketplace. If your cover is not with Admiral, you will need to contact your policy provider and ask if taking out top delivery driver insurance will not invalidate your current cover. Many providers do not accept top up cover and as previously stated may well invalidate your existing cover.