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Scooter insurance for food deliveries

Food delivery insurance for scooter riders

If you have have, or have applied for, a job as a delivery driver with either a local takeaway or one of the fast food delivery companies you will need insurance over and above your usual social, domestic and pleasure policy. As you have probably found out already, most insurance companies won't provide this but there are some that specialise in it and by just filling in a quick and easy form you can have brokers looking for quotations for you to compare.

Is food delivery insurance expensive?

It is a form of business policy and yes it costs more than non-business insurance. Insuring a scooter, however, usually costs a lot less than insurance for a car or van.

Can I get third party only cover?

Third party only or third party fire and theft insurance is usually available as well as comprehensive cover. However: it doesn't always cost less! Sometimes comprehensive cover is actually cheaper than third party even though there are more benefits.

Any brokers who are asked for quotes via this website will be Authorised and Regulated by the Financial Conduct Authority which ensures that they are ready and able to act in your very best interests. If you ask them to find you third party only quotes they will do so but they may well also suggest comprehensive policies with similar, or even lower, premiums.

I already have insurance. Can't I just add food delivery to it?

Most main stream scooter insurers are just not geared up for business use unfortunately. You can ask them, but don't be too disappointed if they say 'no'.

Can't I have a separate policy just for whilst I'm delivering food?

Top-up policies like this do exist. A snag is that you might well be breaching the terms and conditions of an existing policy if you don't get your regular insurer's express agreement to it. Delivering food using your scooter could invalidate your insurance so that you could be uninsured even whilst using your scooter for non-business purposes. You really don't want to do this, because it could leave you open to all sorts of awful penalties including facing the full costs of any accidents you were involved in, having your vehicle impounded, getting penalty points on your licence and being heavily fined.

Don't write this option off though - a qualified broker who recommended one of these policies would be duty bound to clear it with your insurer before proceeding.

Would I have to scrap my existing policy then?

This would be the least complicated way - replace your existing policy with a new one that included food delivery insurance. Most policies can be cancelled but how much you would get back (if anything) would depend on the policy's terms and conditions. The brokers should be able to help you with this.

Don't brokers charge a lot of money for getting quotes?

This is a myth. If you compare quotes for normal insurance on a price comparison site the overwhelming majority of quotes you will receive will be from companies that are brokers, not the actual insurers. They get a commission from the insurance companies for every policy they sell so it usually costs the customer exactly the same as it would have cost if bought direct from the insurer.

This all sounds very complicated!

it isn't really 😀. The brokers on the panel are skilled at finding competitive quotes and they will do all the work for you. Just fill in the short form and selected brokers will get back to you with quotations for you to compare.

How it works

  • You fill in a simple form, giving some details of what you are looking for.
  • Depending upon your requirements, selected brokers from the panel will be asked to collect quotes for you.
  • You will receive broker quotations to compare.

Click here for quotations

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