Fleet Insurance for Food Delivery Businesses

Food delivery fleets are on the roads for long hours, transporting takeaways and food orders from door to door almost non-stop. Get covered with a specialised food delivery fleet insurance plan, protecting a range of vehicles under one simple plan.

What fast food delivery driver insurance covers

Fast food delivery driver insurance is a form of ‘hire and reward’ cover which protects yourself, your vehicle and third-parties whilst you or your fleet delivers food for money. This coverage may vary based on the level of coverage you opt for.

Here are the key coverage areas:

• Third-party liability – Fast food delivery insurance covers your entire fleet against damage to people’s property, vehicles or injury caused whilst driving and delivering food.
• Vehicle protection – Comprehensive insurance covers repairs or replacement of a car or scooter (or bicycle with specialist coverage) if damage is sustained during a delivery.
• Legal compliance – Fast food delivery insurance is a legal requirement to deliver fast food for payment. This fleet allows your business to operate legally and safely.

An optional aspect of fast food delivery driver insurance is ‘goods in transit’ insurance, which would cover the food itself if damaged or stolen during delivery. Check out the difference between hire and reward vs goods in transit insurance here.

Do I need a specialist fleet policy to deliver food?

You definitely need a specialist fleet policy to deliver food, both from a legal and a logical perspective.

Legally, your fleet cannot operate as delivery vehicles without specialist coverage. This could lead to serious legal action being taken against you, resulting in serious financial losses as well as halted business operations.

Logically, a specialist food delivery insurance policy is what gives your business a financial fallback if you face claims from damage or injury, whether or not the fault lies in the hands of one of your delivery drivers. Legal claims can lead to extortionate payouts, as well as hefty lawyer fees whilst fighting/dealing with the claim.

A specialist fleet policy is what protects your business financially and legally.

What hire and reward insurance means

Hire and reward insurance is a specific form of motor insurance which covers vehicles used for the transportation of people or goods in exchange for payment.

This includes (but is not limited to):

• Food delivery services
• Courier and delivery services
• Taxi and private hire
• Haulage services

What types of vehicles can you insure for food delivery?

Food delivery fleets are usually made up of a variety of vehicle types, which is why you need a specialist food delivery policy to protect all of them.

Vehicles covered under food delivery insurance policies can include:

• Cars
• Motorbikes/scooters
• Vans
• Bicycles/e-bikes
• E-scooters (in certain cases)

Practically any vehicle type can be covered under the right policy, but finding these plans can be difficult, and usually requires the specialist involvement from fleet insurance specialists such as FleetCover.

Does standard car insurance cover food delivery?

No, standard car insurance will not cover food delivery. Whether you’re an individual or a business looking to cover an entire fleet, you absolutely need more than just standard car insurance.

To legally run a fleet of food delivery vehicles, you will need specialised hire and reward coverage, as well as the optional extra of goods in transit.

Why take out a takeaway delivery insurance policy?

You should take out a takeaway delivery insurance policy to cover core aspects of your business operations as the owner of a delivery fleet.

A specialised policy will cover all vehicle types in your fleet, from cars and motorbikes all the way to bicycles and e-scooters if necessary, at whatever coverage level you want under a single policy.

• Not only is this a legal requirement, but it also saves money by covering multiple vehicles under one policy, as well as drastically reducing admin and management time.

Get covered today through a specialised takeaway delivery insurance policy with FleetCover.