Common Questions from New Delivery Riders in the UK

Starting food delivery work can bring up a lot of questions. Some are about the apps. Others are about insurance, tax or the rules you need to follow.

Here are answers to some of the questions new riders ask most often. The answers are general, and every platform is different. Always check the official website or app of each platform for its current rules, and use GOV.UK for official government information.

Getting started

Do I need experience to become a delivery rider?

Platforms do not usually ask for previous delivery experience. They are more likely to focus on your identity, right to work, vehicle and documents. Good knowledge of your local area and safe riding or driving skills are very helpful.

What do I need before I apply?

Applicants are commonly asked for photo ID, proof of the right to work in the UK, a UK bank account in their own name and a suitable smartphone. If you use a motor vehicle, you will usually also need a valid driving licence and insurance that covers food delivery. Our documents checklist explains each one.

How long does an application take?

There is no fixed answer. Some people are activated quickly. Others wait longer, especially if a city is busy or a document needs to be resubmitted. Nobody can guarantee approval or a timeline, because each platform makes its own decisions.

Working on the apps

Can I work for more than one platform?

Many self-employed riders work with more than one app, for example to reduce waiting time between orders. Whether this is allowed, and on what terms, depends on each platform's agreement. Read the terms of each platform you sign up with.

Can a friend or family member use my account?

No. Letting someone else use your account, using another person's account, or renting an account is against platform rules. It can also be illegal, especially because it can get around right-to-work and identity checks. Accounts can be closed permanently. JZ Consultant Group will never help with this.

Some platforms have rules about substitution, where a rider may arrange for another person to do work. Where these rules exist, they usually come with strict conditions, including that the substitute must meet legal requirements. Never use substitution to let someone work who could not pass the checks themselves.

What happens if my documents expire?

Platforms commonly ask you to update documents such as insurance, ID or right-to-work evidence before they expire. If you do not, your account may be paused. Keep a note of expiry dates and renew in good time.

Vehicles and insurance

Do I need insurance to deliver on a bicycle?

A normal pedal bicycle does not legally require motor insurance in the UK. E-bikes that meet the UK rules for electrically assisted pedal cycles (EAPC) are generally treated in the same way. E-bikes or scooters that do not meet these rules may count as motor vehicles, with different legal requirements.

Some platforms may ask for, or provide, certain cover such as public liability. Check the platform's guidance and consider whether extra cover is right for you.

Is my normal car or motorbike insurance enough?

Usually not. Standard policies often only cover social, domestic and pleasure use and commuting. Delivering food for payment is generally treated as hire and reward use. You will normally need a policy that clearly includes food delivery. Riding or driving without suitable insurance is an offence.

JZ Consultant Group is not an FCA-authorised broker. We can explain the terms, but please get quotes from FCA-authorised firms. You can check a firm on the FCA Register.

Tax and money

Who pays my tax?

If you are self-employed, the platform does not usually deduct tax for you. You are generally responsible for registering for Self Assessment, keeping records and paying any Income Tax and National Insurance due. Our guide to starting self-employed delivery work explains the basics.

Do I need to tell HMRC if I only work a little?

HMRC has a £1,000 trading allowance. If your total self-employed income in a tax year is £1,000 or less, you may not need to tell HMRC. Above that, you will generally need to register and file a return. Check the rules on GOV.UK (opens in a new tab) and ask a qualified accountant if you are unsure.

How JZ Consultant Group can help

If you still have questions, we are happy to help. JZ Consultant Group is an independent UK consultancy. We are not affiliated with any delivery platform. We help riders understand requirements, prepare documents and get set up properly.

Visit our FAQ page, or send us a request with your question.

This article is general information only and is not legal, tax or insurance advice. Platform rules change, so always check the platform's official guidance and GOV.UK.