Motor Insurance

Does QuoteMeHappy do fast food delivery car insurance?

Here we'll explain what to do if you have a QuoteMeHappy car insurance policy and you want to work as a delivery driver or courier.

No, QuoteMeHappy does not allow vehicles to be used for delivery driving. Policyholders are NOT covered for using their cars for food delivery or other paid delivery or courier work. Here's what you'll need to do if you have QuoteMeHappy and want to work as a courier or food delivery driver.

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Does QuoteMeHappy cover delivery or courier driving?

No, QuoteMeHappy does not offer delivery driving insurance. Also, QuoteMeHappy does not permit policyholders to buy a top-up Hire & Reward (H&R) policy from another company to cover the delivery work aspect of driving. This means QuoteMeHappy policyholders simply cannot use their vehicles to make deliveries.

To confirm this, we recently reached out to Aviva (QuoteMeHappy's parent) to confirm whether or not they'll cover delivery driving. Here's what they said:

"We don’t accept top-up cover to Aviva car insurance policies in order to avoid any confusion for the customer that could come from having dual motor insurance (where two insurers are providing cover for the same vehicle). A common issue that might arise in this situation is a dispute over how a vehicle was being used at the time of an accident, which can create uncertainty as to which insurer would be liable for the claim.

More widely, we consider insurance for hire and reward, including couriers and delivery drivers, as specialist cover; customers looking for that type of insurance would be best served by contacting their insurance broker."

There are a few UK car insurers who work with top-up H&R cover for delivery people, but Aviva car insurance is not one of them.

If you're interested in learning more, check out our in-depth guide to delivery driving and food delivery insurance and you can read our full review of QuoteMeHappy here.

Can I make deliveries without hire & reward cover?

A driver cannot make any deliveries with their vehicle until they've secured hire & reward (H&R) cover—it's required by law. Being paid to make deliveries without H&R insurance is illegal and could invalidate your underlying social domestic & pleasure (SD&P) policy as well—if you have an accident or are caught it could result in points, fines, seizure of your car, having your licence taken away and possible financial ruin!

What do I do now?

If you want to work as a delivery driver or courier and you currently have QuoteMeHappy insurance, you'll need to cancel this and find cover elsewhere. You have two options for finding delivery driver insurance:

  • Get SD&P from another car insurer and buy top-up H&R cover elsewhere (e.g., Zego), or
  • Go to a specialist broker to secure cover for both SD&P (for your personal driving) and H&R (for your delivery driving).

You can read our full Zego review to learn more about the company and the product. The way Zego top-up cover works is that a driver has a regular car insurance policy that covers their personal driving, and then they buy Zego PAYG top-up H&R insurance which covers their delivery driving. In addition to top-up cover, they also offer a full package to cover both delivery and personal SD&P driving.

What to look out for

If you go with the top-up H&R insurance option and SD&P from another company, be sure to inform your SD&P insurer of your delivery work as you'll need their approval to do all of this.

Also, make sure one of the policies covers your commute between work and home—this is a formal declaration of use on a certificate of motor insurance, and without it you won't be covered during that portion of your journeys. Commuting should show up on one of your certificates of motor insurance, but not both, as this could lead to confusion regarding who was liable if you have an accident on the way to or from work.

Final thoughts

It is always critical to call up your insurer or potential insurers and confirm that you are covered on all fronts and if you're going with the top-up cover route, be sure to get the formal blessing of your SD&P provider. Be aware that not all car insurance customer support team members seem to know the rules around delivery driving, however, so if you get a confusing or conflicted answer, perhaps ask the rep to check with the underwriting team, as they have the final say.

Find food delivery insurance.
Powered by QuoteZone.

Get Quotes

  • Rated 4.8 out of 5 stars on
  • Fill out only one form
  • Note: Inexperienced food delivery drivers with 0 years of no claims may have difficulty getting a quote in the current market.
Erin Yurday

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.


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