Do food delivery drivers (Deliveroo, Just Eat) need hire and reward insurance?
Yes. Deliveroo, Just Eat and Uber Eats drivers carry food for payment, which legally requires hire and reward insurance. Standard car, van or bike cover does not include paid delivery.
Why food couriers need hire and reward
Delivering takeaways for a fee counts as carrying goods for hire and reward, whether you ride a moped, cycle on a motorbike or drive a car. Your normal social or commuting policy excludes this, leaving you uninsured for work and potentially driving illegally.
- Hire and reward cover for paid food delivery.
- Public liability, useful when handling orders and entering premises.
- Optional goods in transit to cover the food you carry.
Because many food delivery drivers work flexible shifts, pay-as-you-go hire and reward is popular for those delivering a few evenings a week. Confirm your cover suits your vehicle type. Compare courier and food delivery insurance quotes to find a policy that matches your hours.
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Do I need hire and reward if I deliver food by bicycle?
Pedal cycles do not need motor insurance, but riders often take public liability cover. Mopeds and motorbikes used for paid delivery do need hire and reward.
Will Deliveroo or Just Eat arrange my insurance?
No. You are responsible for holding valid hire and reward cover for your vehicle before you start delivering.
Can I get insured for just a few evenings a week?
Yes. Pay-as-you-go hire and reward lets part-time food couriers activate cover only for the shifts they work.