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.

UberEats Delivery 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.

Many new UberEats drivers and riders have questions about what insurances you need to make sure you’re fully protected—this article will answer those and tell you everything you need to know before signing up as an UberEats delivery driver.

You may be wondering what your earning potential is with UberEats as well—we compared hourly income while working for Deliveroo, JustEat and UberEats, so take a look if you're wondering which pays best.

What insurance does UberEats provide for its drivers?

UberEats offers a limited set of insurances in the case of injury or illness, but no long-term income security or any vehicle coverage whatsoever.

While UberEats doesn't provide delivery driver insurance, they do provide some insurances to its drivers and riders while they’re in the process of delivering food to customers. Find below a summary of the Uber/UberEats insurance policy:

Medical Expenses ReimbursementOn-TripUp to £7,500
Accidental Death PaymentOn-Trip£50,000 Lump Sum + up to £6,000 Funeral Costs
Inconvenience Payment for Permanent InjuryOn-TripUp to £50,000
Inconvenience Payment for HospitalisationOn-Trip£1,000
Inconvenience Payment for Temporary Injury during Transportation ServicesOn-Trip£75 per day for up to 30 days for Partner Drivers. £30 per day for up to 30 days for Delivery Partners.
Severe Sickness & Bodily Injury Payment(leading to more 7+ consecutive days unable to work)Off-Trip£75 per day for up to 15 days for Partner Drivers. £30 per day for up to 15 days for Delivery Partners.
Maternity / Paternity PaymentOff-Trip£1,000 lump sum
Jury Service PaymentOff-Trip£500 lump sum

On-trip is defined as from the moment of accepting a trip or food delivery request, through to completion of the request and for 15 minutes after completion. Off-trip is any time you are not using providing services using the Uber app.

Those working for UberEats are considered ‘delivery partners’, therefore the coverage for injury/sickness is considerably lower than if you were driving passengers for Uber. Uber employs its ‘partners’ as independent contractors, so they don’t provide any protection for your vehicle—and even the injury and sickness coverage is much lower, and for a shorter duration, than you’d expect from a traditional insurance policy.

What UberEats insurances do I need to buy?

As a UberEats delivery driver, you have two options to make sure your vehicle is covered: changing your private vehicle insurance into a commercial courier policy that will cover you for both work and personal travel, or supplementing your existing personal vehicle insurance with a Hire and Reward policy. There are benefits and disadvantages to both, explained below.

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  • Commercial Vehicle (Courier/Delivery Driver) Insurance

If you’re using a motorbike, scooter or car to perform UberEats deliveries, you’ll require Commercial insurance on your vehicle to protect it against damages. Like personal vehicle insurance, Commercial is generally categorised into three categories: Comprehensive, Third-Party, Fire and Theft or Third-Party-Only.

Commercial insurance covers your vehicle for the longer journeys/distances that couriers and delivery drivers typically travel, and is a legal requirement for anyone using their vehicle over long-distances for courier purposes in the UK.

You’ll be required to submit your insurance papers before completing your signing-up process with UberEats, and you won’t be covered by your existing Social, Domestic & Pleasure personal car policy.

  • Hire & Reward Insurance

Most Commercial policies will include Hire & Reward coverage within them, so if that’s the route you’ve chosen then you’ll be fully protected. Some UberEats partners, however, choose to utilize a Hire & Reward policy that sits on top of their existing SD&P insurance.

There are benefits to doing this — for example, H&R insurance companies, many of whom have been created to support the growing food delivery/courier market, have flexible payment options (such as pay-as-you-go and month-by-month contracts with no cancellation fee) that can be very useful for delivery drivers, especially if you view UberEats as a short-term or secondary income source.

However, do be cautious, as many traditional insurance providers do not allow drivers or riders to use separate/short-term insurances, and will void your policy if they discover you’ve been working under a H&R policy without informing them. The reasons for this are covered in detail in the FAQs.

We've contacted the UK's largest car insurers to see whether or not they'll accept "top-up/pay-as-you-go" Hire & Reward as valid—you can read all of their answers here.

  • Goods-in-transit cover

As deliveries made by UberEats are typically low in value, you are not currently required to hold any form of Goods in Transit insurance. If you are going to be undertaking other courier work, and delivering more expensive goods, it’ll be worth considering if a policy might be worth investing in.

  • Public Liability Insurance

Firstly, if you’re signing up for Commercial or Hire & Reward coverage, double check with providers, as many of them (aware that you’re going to be delivering and coming into contact with the general public, workspaces and people’s property) will include a form of Public Liability within your policy — if it does, great! You’ll be covered for the amount stated in the policy.

If you’re looking to get your own Public Liability policy (you may want a larger coverage value) then policies start as low as £58.00 per year, so it’s definitely worth considering if you have any concerns.

  • Injury/Accident Insurance

As mentioned above, UberEats does offer some coverage if you’re injured, involved in an accident or become unwell while working with them. The policies are not that extensive, and for cyclists/riders would only cover them for £900 over 30 days in the case of temporary injury or £450 over 15 days in the case of severe sickness or injury.

Given the risks of being on the road in the busy cities that UberEats operates within, you should certainly consider additional coverage. A 30 year old non-smoker could expect to pay around £35.00 per year for protection, and policies typically cover you for 55-70% of your pre-tax earnings for a duration of 6 months to 1 year.

How much will it cost me to get insured to deliver for UberEats?

The cost of getting insured depends on which route you go down: Commercial or Hire & Reward/Pay-As-You-Go.

For Commercial, you can expect to pay between £1,900 and £2,300 per year for your UberEats car insurance. This is quite a bit more than traditional SD&P coverage, and is designed to cover delivery drivers for the additional risks (longer mileage, unfamiliar roads) they expose themselves to while delivering food and goods.

Scooter estimates started from £995 per year for a TPO policy (going up to £1,350 for a comprehensive policy), but are much more expensive when compared to the value of the vehicle insured (a 2017 Honda PCX125, a popular choice for many food delivery riders) due to the higher levels of risk you have on the road as a delivery rider — a 2007 survey found that nearly 60% of courier riders had been involved in an accident in the 3 years prior, compared to just over 35% for non-courier scooter and motorcycle riders.

How can I save money on my Uber driver insurance?

Ways to save money on your UberEats insurance will be familiar to those who have previously insured their personal vehicle and looked for ways to save:

  • Install a blackbox/vehicle metric measuring device, and drive safely
  • Select popular, less powerful vehicle models that are traditionally cheap to insure
  • Compare quotes from different providers and insurance policies
  • Pay annually for a discount
  • Have a long history of no claims built up on your personal vehicle


Firstly, most providers will write in their T&C’s that you accept the risk of them voiding the policy if you change the purpose of your vehicle (from personal usage to delivery work) without informing them before doing so.

The reasoning for this is fairly simple, the price you agreed with them for your insurance was based on the mileage expectations of somebody using their vehicle for personal reasons, like drives to the shop or dropping the kids off at school. The extensive miles delivery drivers log on their vehicle leads to additional wear and tear and risk of damage, increasing the chances you’ll need to make a claim — chances that the insurance provider won’t have been able to factor into their original quote for your price.

Commercial vehicle and public liability quotes were gathered based from a 30-year-old driver, with 5+ years of personal no claims bonus, based in North-West London, driving a 2015 1.8L Toyota Prius, one of the most popular cars for Uber drivers.

Scooter estimates were gathered using a 30 year old rider, with 5+ years of personal no claims bonus, based in North-West London, riding a 2017 Honda PCX125.

The price of your policy may vary with the variables mentioned above.


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.