Delivery Insurance Guidance
Insurance is one of the most confusing parts of starting delivery work. We explain the key terms and requirements in plain language, so you can speak to insurers and brokers with confidence.
Important regulatory information
JZ Consultant Group is not authorised by the Financial Conduct Authority (FCA) as an insurance broker. We provide general information and administrative support only. We do not recommend, arrange, compare or sell insurance policies, and we do not collect premiums. Please obtain quotes from an FCA-authorised insurer or broker — you can check a firm on the FCA Register.
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Hire and reward insurance
What 'hire and reward' means, and why standard car or motorcycle insurance usually does not cover paid deliveries.
Food delivery insurance
How food delivery cover generally works and what to check in the policy wording.
Car delivery insurance
Points to consider if you deliver by car, such as business use and named drivers.
Motorcycle and scooter delivery insurance
General information for motorcycle and scooter riders using their vehicle for deliveries.
Moped insurance
What moped riders usually need to consider, including licence categories and CBT.
Bicycle-related insurance considerations
Bicycles and legal e-bikes don't normally need motor insurance, but you may still want to consider public liability or theft cover.
Pay-as-you-go insurance
How hourly or pay-as-you-go delivery cover generally works, and its pros and cons.
Annual insurance options
How annual policies with delivery cover generally compare with pay-as-you-go.
Understanding policy requirements
Reading your schedule and certificate: class of use, exclusions and excess.
Checking compatibility with platform requirements
How to check that your proof of cover matches what your delivery platform asks for.
Important to know
- We provide general information and administrative support only. We do not give personal insurance recommendations.
- We do not arrange, compare or sell insurance, and we never collect insurance premiums.
- Always buy insurance from an FCA-authorised insurer or broker. Check any firm on the FCA Register.
- Platform acceptance, account activation and insurance approval are decided only by the relevant third-party providers. We cannot guarantee any outcome.
- We will never ask for your platform password or one-time verification codes.
JZ Consultant Group is an independent consultancy. We are not affiliated with, endorsed by or acting on behalf of Uber Eats, Deliveroo, Just Eat, Stuart, Amazon Flex or any other delivery platform. All trademarks belong to their respective owners.
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Related guides
- Understanding Hire and Reward Insurance for CouriersHire and reward, SD&P, food delivery cover: what do these insurance terms mean, and why do they matter if you deliver by car or motorbike?
- Food Delivery Insurance for Cars and MotorcyclesDelivering by car, moped or motorbike? Understand the main types of food delivery insurance and the questions to ask before you buy.
- Common Questions from New Delivery Riders in the UKCan I work on more than one app? Do I need insurance on a bike? Who pays my tax? Clear answers to questions new riders often ask.