Whether you deliver the food you made yourself or work for a big food delivery company like Deliveroo, Just Eat, or Uber, a regular car insurance policy cannot offer you coverage for food deliveries if you are a food delivery guy.
You just have to get yourself the right food delivery insurance in the UK to help you cover for damages that may occur when working.
If you do not get good food delivery insurance you are at risk of bearing the cost for damages when on the job.
Cheapest Food Delivery Insurance in the UK
There are food delivery companies that provide cheap food delivery insurance in the UK they are as follows:
Deliverroo
Working for Deliveroo, you will need insurance cover that is not part of a regular car or motorbike policy. Some delivery or courier services will provide the cover as part of the employment contract while others will not. They tend to abandon it up to the individual to take out delivery insurance.
The purpose of the insurance is to secure cover for their couriers when going about their delivery duties on the roads for the UK. Currently, a food delivery company has insurance coverage in over 35,000 couriers in 12 countries.
Deliveroo offer coverage for the following:
- Third-Party Liability cover worth £1,000,000 for cyclists deliver persons, scooters, and vehicle drivers once they have exited their vehicles. The extra pay for the driver when a claim is made is £150.
- Loss of Income protection is made available to those under insurance coverage who sustain injuries while making a delivery. This entails an average gross income of 75 percent.
- Medical coverage up to £7,500 to be made available to take care of medical bills after an accident.
- Hospital bills worth over £ 3,000 are covered against accidents with no extra expenses made.
Just Eat
In August 2020, JustEat had no insurance coverage for its drivers working with them. The delivery drivers were completely answerable for any incident caused when on their job duties. Hence, you are to ensure you protect yourself when delivering packages.
As of now, JustEat has planned an insurance policy for their drivers working with them. Their policies include the following:
- Vehicle coverage
- Hire and reward insurance
- Goods in transit cover
- Public liability insurance
- Injury/Accident insurance
It will cost over £1,900 to £2,300 to get your JustEat car insurance, which also includes your traditional SD&P coverage.
UberEats
As an UberEats driver or rider, you have to make inquiries about the best insurance coverage that will benefit you. The following is the insurance coverage for delivery drivers working for UberEats:
- Commercial vehicle (Courier/delivery driver) insurance
- Hire and Reward insurance
- Goods in transit cover
- Public liability insurance
- Injury/accident insurance
The cost of getting insured varies depending on the insurance policy you intend to buy:
For commercial vehicle insurance, you will demand to pay a sum of £1,900 and £2,300 per year for your UberEats car insurance.
This is somewhat more costly contrasted with conventional SD&P coverage and is made to ensure delivery drivers for risks they expose themselves to while delivering packages.
Amazon
Amazon has created an insurance policy for delivery drivers working with Amazon. The insurance policy is called Amazon Flex Insurance.
You will need individual vehicle insurance coverage and extra coverage for delivering goods and services.
Amazon Flex is a free commercial insurance policy designed for Amazon to its delivery drivers. Therefore, their coverage includes:
- A $50,000 vehicle insurance coverage in case of damages.
- A $1 million insurance coverage for injury and property damage during delivering goods.
- A $1 million in liability coverage for third-party individuals or vehicles.
Conclusion
Working as a delivery man or woman is a great job to engage in especially if you have other jobs you do. You can work either part-time or full-time but food delivery insurance is paramount for you.
It becomes more beneficial as you are provided insurance for damages that may occur in the course of delivering goods for the company you work for. Whether you intend to work for Amazon, Deliveroo, or Uber Eats you must get a review of how their policies work before signing up for the job.
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