The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Deliveroo Insurance - what do you need?


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  • Note: Inexperienced food delivery drivers with 0 years of no claims may have difficulty getting a quote in the current market.

If you're considering driving for Deliveroo, you probably have questions about what insurance you'll need. Below we explain what insurance is provided by Deliveroo and what additional insurance you need to buy.

What insurance does Deliveroo provide for its drivers?

Deliveroo offers forms of public liability and personal accident insurance, but no coverages for your vehicle.

Deliveroo provides its drivers with two forms of cover: public liability and personal/medical coverage for accidents while you're online and accepting deliveries for Deliveroo. Of the popular UK food delivery apps in the UK, Deliveroo’s insurance policy is one of the most comprehensive on the market.

  • Public Liability Insurance

Unlike some other delivery companies, Deliveroo provides cover for all of its delivery people while they're walking or cycling. This includes motorcyclists and car drivers while they're "off-vehicle", for example walking from their vehicle to a property to make a delivery. Competitors like JustEat don't offer this type of cover.

  • Personal Accident Insurance

Deliveroo accident insurances will protect you if you are involved in an accident whilst working for Deliveroo, and are unable to work as a result of the injury. The policy will cover you in the event that you:

  • Are temporarily unable to work
  • Need to stay in hospital
  • Suffer any facial or dental disfigurement
  • Are permanently disabled or killed

You can find out more about the specifics of the policy here, but the key sections for couriers are:

Section 6. Temporary Total Disablement

  • £50 per day up to 23 days: if you have been contracted by Deliveroo for at least two calendar months at the date of the Accident
  • £25 per day for up to 6 days: if you have been contracted by Deliveroo for less than two calendar months at the date of the Accident

Section 10. Recovery

  • £20 per day up to 10 days: if an accident occurs resulting in a hospital stay of at least three consecutive nights, and you are advised by a doctor to undergo a period of recovery

Most cyclists/walkers don’t require any additional insurances on top of those provided by Deliveroo, but it’s worth being aware of the limitations of the Deliveroo personal accident coverage (maximum of 23 days of payment) and considering additional protection.

However, that doesn’t mean that Deliveroo fully covers you after signing up. If you’re going to be using a car, scooter or motorbike you’ll need to make sure your existing insurance policy covers you for commercial use.

What Insurance Do I Need For Deliveroo?

You'll require, at minimum, a form of Commercial Vehicle Insurance or a Hire & Reward policy (in other words, delivery driver insurance) in order to drive for Deliveroo. Both have their benefits and disadvantages, which we will explore here.

Vehicle cover

As a courier you have two options for insuring your vehicle: switching to a commercial courier policy that will cover your work and personal driving or keeping your personal vehicle insurance that you supplement with a Hire & Reward/Pay-As-You-Go policy.

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  • Commercial Insurance (Courier insurance with personal driving included)

As a Deliveroo driver, you’ll need an insurance policy that protects you for using your vehicle for courier/delivery purposes. Most insurers offer commercial insurance, and the process of upgrading your traditional social, domestic & pleasure policy into a commercial one isn’t overly complicated, so it’ll be worth checking in with your current provider to see what a commercial policy might look like.

You’ll need a commercial vehicle insurance, due to the nature of courier work - the often long distances and unfamiliar roads and destinations means your coverage will need to protect you against a larger number of potential issues than traditional SD&P policies (or a Class 1/2/3 business vehicle insurance).

Your commercial coverage also gives you full coverage while you're driving for social, domestic or personal purposes, so you'll be protected at all times with this style of policy.

  • Hire & Reward/Pay-As-You-Go Insurance

Hire and Reward works alongside your existing personal car insurance. It's a separate policy that goes 'on top' of your existing SD&P coverage and protects you while you're using your vehicle for Deliveroo/courier service work. Compared to commercial insurance, some H&R insurers offer pay-as-you-go (hourly)/pay monthly no contract policies, meaning you only need to pay for the coverage you use.

These policies can be an excellent option for those who see courier work as a short-term employment solution. Our research indicates that the pay-as-you-go options are generally cost-efficient until you've worked for around 20 hours in a week. Past this point, the monthly policy is better value. Some H&R policies also include a combination of SD&P and Public Liability coverage, so find the provider that offers the combination that works best for you.

However, you'll need to be careful, as some SD&P providers will void your coverage if you take additional/part-time coverage alongside theirs — even if your accident occurs while you're not working, due to the additional risk you've exposed yourself to by working as a courier (additional wear and tear on vehicle, long hours of driving continuously). Make sure to discuss with your provider before undertaking any courier work to confirm your protection still applies.

Even if you've stopped working as a courier (and your short-term H&R coverage has stopped) your SD&P provider may still void your policy if you failed to inform them before you started work as a courier.

Also, be aware that providers like Zego will only cover you for as much coverage as your existing car insurance—therefore if you currently have a Third Party Only policy for your personal car insurance, then you'll be only be covered for damages to third parties in the event of an accident while working.

  • Personal Accident Insurance

While Deliveroo does provide coverage for its couriers in the event of an accident, the protections offered are fairly limited, covering you for a maximum of 23 days out of action and 8 days of recovery. If you were out of work for a longer time period, you’d no longer be covered by Deliveroo’s insurance.

Policies start as low as £35.00 per year for non-smokers, and typically cover you for between 55-70% of your pre-tax earnings for up to one year. Each policy has its own individual duration and payout amount, so do some research and find the best policy for you at a price that makes sense.

How much will it cost me to get insured to be a Deliveroo delivery driver?

The total cost of your Deliveroo driver insurance depends on the standard variables as traditional car insurance—what car you drive, what level of coverage you opt for etc. That being said, our research indicated that for a typical driver commercial insurance started at around £1,850 annually (c. £155 per month). This is around 4X the average cost to insure your vehicle in the UK on an SD&P policy.

Insurances are more expensive for Deliveroo delivery drivers for a number of reasons:

  • Much higher annual mileage
  • Driving/riding in areas you’re not familiar with
  • Working later, less sociable hours.

How can I save money on Deliveroo delivery insurance?

If you’re going to be working less than 20 hours per week, it’s worth considering a pay-as-you-go/pay monthly coverage—with the rise of the gig economy and courier work more and more providers are offering these (as opposed to locking you in to a 12 month contract), so if you see Deliveroo driving as a short-term employment solution then these are worth considering. Here are a couple of providers offering short-term/pay-as-you-go coverage policies:

Apart from that, traditional methods of saving money on your vehicle insurance still apply:

  • History of no-claims
  • Less powerful/smaller vehicles known for being cheap to insure
  • Paying annually
  • Gathering quotes from multiple providers
  • Using a blackbox to allow insurers to track your driving

What Next?

Our guide to Courier Insurance is a great resource for anybody considering starting work as a courier in the UK.

We've also got insurance guides for some of the UK's largest app-based businesses—take a look to compare between them and see which will work best for you:

And finally, a lot of the UK's leading vehicle insurers do not accept top-up coverage (from the likes of Zego). You can find out which of the UK's top insurers do/don't cover couriers and which will/won't accept top-up cover here.

Commercial vehicle and public liability quotes were gathered based from a 30-year-old driver, with 5+ years of personal no claims bonus, driving a 2015 1.8L Toyota Prius, one of the most popular cars for Uber drivers. The price of your policy may vary with the variables mentioned above.

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The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.