Their insurance is straightforward and convenient, especially the pay-as-you-go option for delivery work.
Food delivery and courier insurance
Cover that fits your delivery schedule
Join over 64,000 delivery drivers who’ve chosen Zego, and do insurance on your own terms.
What is pay-as-you-go delivery insurance?
If you’re working deliveries around other things, it makes sense for your insurance to flex too. With our pay-as-you-go hire and reward (H&R) insurance, you only pay for cover when you’re actually out delivering.
Only pay when you’re delivering
Ideal for part-time, seasonal or just unpredictable hours. You’re always insured when you need to be, and not a moment more.
Get covered in three simple steps
Sorting out your insurance shouldn’t slow you down. Our app links to all the main providers, including Uber Eats, Vromo and Just Eat, so you’ll be ready to hit the road in just a few minutes.
Find the policy that’s right for you
To use your car or scooter for food delivery or courier work, you'll need both social, domestic and pleasure (SD&P) and hire and reward (H&R) insurance.
Whether you need insurance for a few hours or a whole year, we'll get you covered.
Hire and reward (H&R)
Specialist cover, just for delivery work
- IncludedPolicy length: Pay-as-you-go or 30-day (car only)
- IncludedGreat for: Part-time food or parcel deliveries with one of our partners**.
- IncludedCover: Delivery work only. You must have existing personal car insurance (SD&P) for your car or scooter.
- IncludedPolicy options: The level of cover will match your existing SD&P policy, whether that’s third party or fully comprehensive.
- IncludedPayment: Buy and top up as you go via the app.
Combo
One policy for both work and life.
- IncludedPolicy length: 30-day or Annual
- IncludedGreat for: Full-time or seasonal work where you’re using the same vehicle for work and personal journeys.
- IncludedCover: Deliveries and everyday driving.
- IncludedPolicy options: Third Party Only or Fully Comprehensive.
- IncludedPayment: Buy with a single payment online or monthly instalments.
A closer look at our policy options
We offer Third Party Only and Fully Comprehensive cover for your car or scooter. Here's what you get.
Built for the way you work
Our delivery insurance is accepted by all the major platforms. Whether you’re delivering by scooter or using a van for courier work, we’ve got policies tailored to the way you drive.
Cover for delivering on two wheels
Our scooter insurance fits around you, whether you’re riding every day or just picking up the occasional shift.
To use your scooter for either food delivery or courier work, you’ll need both delivery insurance (H&R) and personal cover (SD&P). Take a look at what we offer.
What our customers say
Thousands of delivery drivers trust Zego every day. Here’s what some of them say.
I personally use pay-as-you-go for my Deliveroo account and it's simple.
I've been with you since 2022. It's been a great and smooth experience.
It was simple and straightforward. Not asking me to jump through impossible hoops.
It was very easy to find the service in the app.
Zego has been a solid and reliable insurance provider for me.
On shift with London Eats
Delivery creator London Eats takes you through a night of drops across London, including how his insurance costs compare with what he takes home.
Trusted by 100,000s of UK drivers
43k
Active pay-as-you-go customers
64k
Delivery drivers have chosen us
Share and earn. It's that simple.
Know another driver who could use better cover? Refer them to Zego and you'll both get a gift card when they take out their first policy: £50 for an annual policy, or £10 for a 30-day one.
Frequently asked questions
To make deliveries, you'll need Hire & Reward insurance. It’s a type of specialist insurance for drivers who deliver food or parcels for a living.
To deliver food, you'll need Hire & Reward insurance in addition to your existing Social, Domestic and Pleasure policy. This level of cover provides protection for drivers who transport deliveries of food in return for payment.
No. Our Car Delivery insurance is strictly for deliveries only. Transporting fee-paying passengers is not covered.
If you would like a policy that covers both deliveries and the transporting of fee-paying passengers - where you can work for both Uber and Uber Eats for example - our all-in-one Private Hire taxi insurance which is a form of taxi insurance cover provides protection to carry passengers, food delivery or parcels, and use of your vehicle for social and domestic purposes.
We work with a number of delivery partners, ranging from food to parcel delivery. If you have a Pay As You Go and 30 Day H&R policy, drivers are only covered with the following work providers:
- Uber Eats
- Deliveroo
- Just Eat
- Amazon
- Stuart
- Gophr
- Ryde
- GoGetters
- Vromo
- DeliveryApp
- Apache Pizza
If you have a 30 Day or Annual Combo policy, you can use your policy with any work provider. Don't worry if you don't see your work provider in the list above.
To learn more about different food delivery companies and their marketshare view our food delivery statistics page.
This depends on the type of cover you choose, plus a few other factors, like your driving history and no claims discount.
You can buy Car Delivery insurance by the hour (pay-as-you-go), by the month (30-day) or by the year (annual).
Pay-as-you-go
Our flexible hourly policy lets you pay for hire and reward (H&R) cover when you need it. It covers you for deliveries only, so you’ll need an existing personal (SD&P) policy to use it. On average, drivers with a good driving record can expect to pay from £0.80p per hour.
30-day
This is hassle-free cover without the long-term commitment. Expect to pay from £139 per month for hire and reward (H&R) only, and from £144 per month for our combined cover (H&R plus SD&P), which covers you for deliveries and personal driving.
Annual
This covers you for a whole year of delivery work and personal driving. It’s usually the most cost-effective option, especially if you plan to work full-time. Our combined annual cover starts from £1,266 per year.
*10% of customers paid this or less in the 6 months prior to 17/10/24
Buy your Car Delivery insurance the easy way with Zego. No office visits, minimal paperwork. Get your quote in under a minute, then have a quick chat on the phone.
Buying Car Delivery insurance with Zego is simple – get your quote in under a minute and then have a quick chat on the phone. If you can say ‘yes’ to the points below our Food Delivery insurance is right for you:
- You have a full UK/EU driving licence
- You’ve had no more than 2 claims in the last 3 years (regardless of fault)
- You are aged 21 – 64
- You live and work in England, Scotland, or Wales
- The current vehicle value is less than £30,000
At Zego, we know not every delivery driver works the same way. That’s why we offer flexible insurance options to cover a range of delivery vehicles and needs, including:
- Courier insurance for vans: designed for people using vans to carry goods or parcels for hire and reward.
- Scooter delivery insurance: ideal for riders delivering food or parcels using scooters or mopeds, with cover that works for popular platforms like Uber Eats, Deliveroo, and Just Eat.
Yes, for cover purposes. Both are hire and reward insurance for carrying goods in your car for payment, so the same policy covers parcel rounds, takeaway orders and anything in between. What changes is how you work: pay-as-you-go suits a few hours of app deliveries a week, and 30-day or annual cover suits a steady parcel round.
It depends on the cover you choose, your driving history and your no-claims discount, and on whether you pay by the hour, the month or the year. Our guide to how much delivery insurance costs walks through what moves the price.
Report the incident as soon as you can through live chat in the Zego Delivery app, or by tapping 'Claims' in the Zego Sense app if you're on Sense. A claims handler will take the details and tell you what happens next. Have your policy number, the registration of every vehicle involved, and the date, time and location to hand. Add any witness or third-party details, a police reference if they attended, and photos from the scene. Our claims process page walks through each step.
Hire and reward cover is for carrying food and parcels for payment. It doesn't cover carrying fee-paying passengers: that needs private hire insurance. A hire-and-reward-only policy doesn't cover your personal driving either, so if you want deliveries and your own trips on one policy, choose Combo. On pay-as-you-go and 30-day hire-and-reward policies you're covered only while working for the delivery partners listed above. A 30-day or annual Combo policy lets you work with any provider.