As with any other food delivery company, in order to deliver your meals on behalf of Deliveroo you will need to have food delivery insurance. It is not only a requirement of the service, but it is also a legal one, and not having proper insurance can lead to severe problems. You could face fines, points on your driving licence, or even considerable financial losses if you was involved in an accident.
However, by comparing quotes from a panel of highly experienced, specialist insurance providers you could search for the most affordable quotes as well as get advice on possible ways of reducing premiums still further.
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What kind of Deliveroo insurance should I buy?
Just as with standard social, domestic and pleasure policies you would have the choice of third party, third party fire and theft and comprehensive policies. However, if your vehicle is already insured, you may also be able to choose between a new policy entirely, which includes cover for delivering food for Deliveroo, or (depending upon the terms of your existing policy) a 'top-up' that is an addition to your existing policy and covers you just whilst you are making deliveries.
The insurance providers should be able to advise you on the best type of policy to buy, to suit your individual circumstances.
Why doesn't a normal insurance policy cover me for Deliveroo work?
It isn't designed for it. The type of policy you could buy from a price comparison site is almost inevitably created for people who drive, or ride, their vehicles for social purposes, and perhaps commuting to a single place of work. Delivery driving is a business use, and since it creates extra risks for the insurance companies few insurers will provide it.
Doesn't Deliveroo provide insurance for their delivery staff?
They provide personal injury cover, to give you income protection, if you are injured whilst you are working for them. They also provide personal liability cover in case you accidentally injure anyone or damage their property whilst (and this is important!) you are off your vehicle and walking to and from a delivery. They do NOT cover you for this if you are driving, and you must provide your own vehicle insurance cover.
Why does Deliveroo, and other food delivery insurance, cost more?
As a delivery driver you will probably want to maximise your earnings, and keep your customers happy, by delivering your pizzas, curries, burgers and other takeaways as quickly as possible. This may temp you to rush more than you really should, and is a major reason why food couriers make more insurance claims than other road users.
You will also probably be expected to do much of your driving in the evenings, at weekends and during periods of bad weather; all of which produce more accidents than the average.
How can I find cheaper Deliveroo insurance?
Insurers calculate their premiums by using many different criteria, such as the applicant's age, poscode, driving experience etc. However they mostly work these out in different ways. This is why comparing quotes can often produce such widely different premiums.
How can your site help me find affordable insurance?
Rather than receiving a single quotation you could get multiple quotes from a panel of specialist food delivery insurance providers. You could then compare these and pick the one that suits you best.
All you need to do is complete a simple form then wait for the quotations to arrive. Don't delay, click the button and get quotes now!
