Motor Insurance

Do Hastings do Food Delivery Insurance?

We explain below what you need to do in order to have a Hastings car insurance policy and get covered to make deliveries.

Like other large car insurance companies, Hastings doesn't cover food delivery or courier driving themselves—but they may allow policyholders to buy a supplemental insurance policy to cover their delivery driving. Here's how it works, what you need and what to look out for.

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Does Hastings cover delivery or courier driving?

No, Hastings does not cover delivery driving, but a Hastings policyholder might still be able to work as a paid delivery driver or courier. To do so, they'll need to buy a top-up Hire & Reward (H&R) insurance policy elsewhere to cover their delivery driver—and, very importantly, get clearance from Hastings that they'll still cover social, domestic & pleasure (SD&P) driving.

H&R insurance is required by law for anyone earning money for making deliveries. (You can learn more about H&R cover in our in-depth guide to delivery driving and food delivery insurance.)

We recently reached out to Hastings to confirm whether or not they will in fact cover delivery driving or permit top-up cover. Here's what their press office told us:

"As with any change in circumstances or vehicle use, we would expect the customer to update us accurately and correctly, including any change in their occupation, to ensure they are correctly covered.

If a customer states the use of the vehicle as SDPC (social, domestic, pleasure, commuting) but they add a top-up insurance to their policy to cover delivery driving etc., they would still be covered for the SDPC use of their vehicle by their main insurer, with the top up insurer covering the business use required, i.e., for the delivery.

Top up policies offer temporary cover for the period the customer is working using their vehicle. However, if the customer has taken on additional part time work they must disclose this to their main insurer as any non-disclosure of information could affect a future claim."

However, a reader who is a Hastings policyholder recently informed us that Hastings wouldn't permit them to have a Zego policy. Here's what they said, "Hi. Please be aware that Hastings DO NOT accept Zego... I have just tried as they are my current provider and [I've] recently signed up to Just Eat..." You can read their full comment, which was left on another page here.

So, while in theory Hastings might allow top-up H&R cover from the likes of Zego, that doesn't mean they'll allow any and all drivers to do this. It may well depend on other risk factors in your profile. And we have found that some customer service members seem uncertain about whether or not top-up cover would be accepted. If you find this to be the case, it may be worth asking for them to check with the underwriter.

You can learn about some other big insurers who allow top-up cover here.

Can I make deliveries without hire & reward cover?

No, it is critical that you do not make any deliveries until you've secured your top-up H&R cover. Doing so would be illegal, invalidating your underlying SD&P policy—and 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! Best avoided.

What do I do now?

If you want to work as a delivery driver or courier and you currently have Hastings insurance, you should first ring them and ask if they'll accept top-up cover. If so, you can buy top-up cover from a company like Zego. Otherwise, you may need to cancel your Hastings insurance and find cover elsewhere. In general, you have two options for finding delivery driver insurance:

  • Get SD&P from a car insurer that permits top-up cover, 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 (say, with Admiral) that covers their personal driving, and then they buy Zego PAYG top-up H&R insurance which covers their delivery driving.

What about the commute?

If you split the cover and buy SD&P insurance from one insurer and your H&R insurance from a top-up provider, be sure one of them covers your commute between home and work. But they shouldn't both cover the commute, as this could lead to confusion regarding who was liable if you have an accident on the way to or from work. If a policy covers you for commuting, this will show up on one of your certificates of motor insurance.

Final thoughts

While the Hastings press office implied that they accept top-up cover, it seems that might not always be the case. Regardless, you must always call up and confirm with Hastings whether or not they'll cover it, as you need their permission. Plus you'll need to declare that you're engaged in delivery driving work, as you must always declare your jobs to your car insurer.

That said, beware that not all of their customer support team seem to know that top-up cover may be acceptable—if you get someone who thinks this is unacceptable, perhaps ask the rep to check with the underwriting team, as they have the final say.

Finally, if you'll be working full-time as a courier or delivery driver, it might be more cost effective to buy annual H&R cover and SD&P from a specialist delivery insurance broker, rather than separate SD&P and top-up H&R. To get an idea of prices for your profile, you can fill out a quote form with our comparison parter QuoteZone below.

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 CEO, Co-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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