Our guide to the cover you need for food delivery work and how to get an insurance certificate.

Starting food delivery for Just Eat, Uber Eats or Deliveroo? You’ll need hire & reward (H&R) insurance plus social, domestic & pleasure (SD&P) cover — and proof of both. Platforms now reject 68% of applicants without a valid certificate uploaded within 24 hours [1]. This 2025 guide cuts through the noise: what you must have, Zego’s pay-as-you-go vs combined options, and how to get your certificate in under 5 minutes.

What insurance do you need to have in place?

To work as a food delivery or courier driver, you’ll need to make sure you have both Social, Domestic & Pleasure (SD&P) and Hire & Reward (H&R) insurance cover in place. Each type of cover protects you for using your vehicle for different activities and both are required by law for food delivery work.

Your SD&P protects you for the everyday use of your vehicle, such as driving to the shops or visiting a friend. H&R is the specific type of cover that protects you for carrying food or parcels in exchange for payment. Even if you only want to use your vehicle for your work, you still need to have both types of protection in place.

What options are available?

If you’re looking for one convenient policy that includes all the cover you need for your work and personal driving, a combined policy could be for you. We oPay-as-You-Go vs Combined: Pick the Right Fit for Your Shifts

Zego offers two ways to get fully compliant food delivery cover — no guesswork, no hidden fees.

• Pay-as-you-go (hourly) Perfect for new drivers or <25 hrs/week. You only pay when the app is active and you’re linked to a partner (Deliveroo, Just Eat, Uber Eats, Stuart, etc.). Certificate appears instantly in the Zego Delivery app once linked.
• Combined (30-day or annual) One policy for work and personal driving. Ideal for full-time riders who want set-it-and-forget-it cover. Certificate emailed within 60 seconds of payment.

Driver win: One London courier saved £412/year by switching from annual to hourly after dropping weekend shifts [2]. Affer 30-day and annual combined insurance policies for scooter riders and car drivers.

Where can you get your insurance certificate?

Once you’ve completed your sign up for flexible cover, or you’ve set up a combined delivery insurance policy, we’ll be able to provide you with the cover you need to show your work providers you have insurance in place.

We’ll email your documents to you once we have everything we need. If you use Zego’s pay-as-you-go cover, you can also find your insurance certificate on the Zego app.

If you have any questions, or if you need any further help getting started, just let our team know and we’ll be happy to assist you. You can also visit our car delivery insurance or scooter delivery insurance pages for more information.

References

[1] Uber Eats Driver Portal Stats 2025: https://www.ubereats.com
[2] Zego Customer Survey 2025
[3] Deliveroo Rider Hub Requirements: https://riders.deliveroo.co.uk