Courier insurance
Just Eat Delivery Insurance
hire and reward cover for booked delivery shifts, whatever contract sits behind them
Hire and reward cover for a courier delivering restaurant orders for payment. It runs across a booked shift rather than order by order, applies to cars and two wheels alike, and is rated on the hours, the area and the driver.
- Booked shift slots
- Self-employed or employed
- Cars and two wheels
- FCA authorised and regulated
Quick answerTaking restaurant orders for payment is hire and reward work, and an ordinary policy excludes it. What varies on this platform is the arrangement behind the delivery: some couriers work booked shift slots as self-employed, others deliver under an employment contract, and who insures the vehicle depends on which. Tell us the vehicle and the shifts, and specialist UK brokers can come back with quotes.
Working several apps at once? Our Uber Eats delivery insurance page covers mixed shifts.
At a glance
Just Eat Deliveries: Six Points to Begin
Six things worth settling before the first booked shift.
- Paid delivery needs its own use class
- Private cover will not answer
- Check what your contract says
- The arrangements differ
- Shifts are booked in advance
- Which makes the hours easy to describe
- Employed work is insured differently
- Ask who covers the vehicle
- The area is set by the restaurants
- Town centres, mostly
- Security still drives the price
- Especially on two wheels
The basics
What a Booked Shift Slot Changes for You
Booked hours make the working week unusually easy to describe, which is helpful at the quote. What still has to be settled is who owns the vehicle and who insures it, because that varies with the contract rather than the platform.
Hire and reward use
What permits the paid drop.
The hours booked
Evenings and weekends mostly.
The contract held
Self-employed or employed.
The delivery area
Set by the restaurants served.
Who else drives
Anybody covering a shift.
Overnight security
Where the vehicle is kept.
How it works
Between the Enquiry and the Price
It is a quick form. The care goes into what you carry and how far, because those are the fields an underwriter reads first.
Say what you deliver
It decides most of the price.
Name the drivers
Age and experience both count.
Describe the work
Booked shift slots, restaurant collections, weekend peaks or occasional hours.
Compare properly
Cover level, goods limit, excess and downtime.
What it covers
The Cover Behind a Booked Delivery Slot
Vehicle cover on hire and reward terms for the shift you have booked, with liability alongside it and something to keep you working after a theft.
| Section | Where it sits | What to know |
|---|---|---|
| Liability to others | Included throughout | The part that cannot be removed |
| Fire and theft | Higher levels | Overnight arrangements are rated |
| Accidental damage | Comprehensive | Repairs to Just Eat delivery work |
| Goods in transit | A policy of its own | Sized to what is on board |
| Public liability | Commonly bundled | Injury or damage at an address |
| Windscreen | Usually included | A frequent and quick claim |
| Breakdown cover | Optional but useful | Downtime is the real cost |
Find out who insures the vehicle. A self-employed courier arranges everything; somebody delivering under an employment contract may be covered by the business, and the answer decides what you need to buy.
What it leaves out
Where a Booked Shift Leaves You Exposed
The cover is for paid delivery work. What follows sits outside it, and the list is short enough to read properly.
Journeys outside the declared use
Including deliveries on a social policy.
Parcels damaged or stolen
Goods in transit answers for those.
Parts that simply fail
Age and mileage are not insured events.
Downtime after a claim
Unless you have bought cover for it.
Anyone not named or permitted
Round cover has to be arranged properly.
Shifts worked outside the hours declared
A late shift on a daytime quote is misdescribed.
How orders are allocated
The Ways Orders Are Allocated
How the work reaches a courier says more about the risk than the name on the bag, and it is what the quote should describe.
Booked shift slots
Hours agreed in advance.
Weekend peak shifts
Short and busy.
Restaurant-area rounds
Tied to a set of kitchens.
Employed delivery roles
Rota rather than self-booking.
Car delivery on wider areas
Longer runs per order.
Two-wheel town work
Short, dense hops.
Riding rather than driving? See delivery rider insurance.
Who it suits
The Couriers Taking Restaurant Orders
Restaurant delivery draws people who want predictable hours, which distinguishes it from free-roaming app work.
Self-employed shift couriers
Booking their own hours.
Employed delivery drivers
On a rota and a wage.
Weekend and evening workers
A second income.
Car drivers on suburban areas
Wider delivery zones.
Moped and scooter riders
Town centre work.
Couriers working several platforms
Shifts around other apps.
Working for yourself across platforms? See self-employed courier insurance.
Courier or employee
A Courier Contract vs an Employment Contract
Two ways of doing the identical delivery, and they put the insurance in two different places.
| Courier | Employed | |
|---|---|---|
| Who provides the vehicle | You | Sometimes the employer |
| Who insures it | You | Often them, but confirm it |
| Who books the hours | You | A rota |
| Liability at the door | Yours | Usually theirs |
Owning the vehicle and the work? See owner drivers courier insurance.
Cost
What Prices a Booked Delivery Shift
The hours, the area, the vehicle, the driver and the claims record. We do not print average premiums.
Why booked hours help the quote
Most delivery workers struggle to say how much they actually work. Booked slots remove that guesswork, and an accurate hours figure is one of the few things that reliably produces a price that holds at renewal.
Why the restaurant area matters
Deliveries radiate out from kitchens, so the area worked is fixed by where they sit. Town centre clusters mean dense traffic and difficult parking; suburban ones mean distance.
What the quote is rated on
The main factors
- Use classHire and reward on courier termsBase
- Driver or riderAge, licence and experienceRate
- VehicleType, value and securityRate
- Hours bookedShift pattern across the weekRate
- Claims and convictionsRecent yearsAdjust
Use the booked hours figure
It is accurate, so use it.
Check the contract first
It decides what you buy.
Secure the vehicle overnight
Directly rated.
The details
Four Conditions Across a Booked Shift
A short list, but the one that matters. An insurer will look at these first if you ever claim on Just Eat delivery work.
Declare the work as delivery
Not as business use on a private policy.
Review the goods limit
Peak season loads are heavier.
Keep drivers declared
Before the first drop, not after.
Work the hours the policy describes
Booked slots make that easy to keep to.
Quote checklist
The Details Needed to Quote a Booked Shift
This is the whole list. With it in front of you, Just Eat delivery work can be quoted in one conversation.
The goods carried
Booked shift slots, restaurant collections, weekend peaks or occasional hours.
Drivers and experience
Years behind the wheel.
Vehicle and equipment
Racking, cages, heated bags.
Overnight address
A driveway, a garage, a shed or the street.
Mileage
Realistic, not hopeful.
Cover sections needed
Including goods and liability.
Comparing
Two Quotes for the Same Delivery Contract
A lower price is only better if it does the same job. Check these before deciding.
The numbers
- Cover level and excesses
- Goods limit against a full load
- Liability limits carried
The people
- Who may drive under the policy
- Age and experience conditions
- How convictions have been rated
On this work specifically
- Hours and shift pattern accepted
- Other platforms permitted
- Private use included
Ask who insures the vehicle under your contract. The answer changes what you need to buy. Unfamiliar terms are explained in our plain English jargon guide.
Cutting costs
Cutting the Cost of a Booked Shift
The levers are accurate hours, experience, security and a considered excess. We publish no savings figures.
Give the real booked hours
Accuracy is rewarded here.
Build clean years
Experience of this work counts.
Keep the vehicle secure
Overnight matters most.
Protect the licence
Points move the price quickly.
Choose the excess with care
It has to be affordable.
Compare at every renewal
Appetite changes year to year.
Glossary
Delivery Contract Words, Made Plain
The words that come up when the shift is booked in advance.
- Hire and reward cover
- What makes paid delivery work insured.
- Goods in transit
- The separate policy covering what you carry.
- Courier as a use class
- Multi-drop delivery rather than haulage.
- Own goods
- Your own stock, rated differently.
- Public liability
- Cover away from the driving itself.
- Single load limit
- The ceiling on one vehicle’s worth of goods.
- Unattended vehicle condition
- What the policy requires when you leave it.
- Downtime cover
- Payment while the vehicle cannot be worked.
- Excess
- What you pay towards a claim before the insurer contributes.
- Declared use
- Exactly what the vehicle is used for, on the schedule.
Why MyMoneyComparison.com
Why Restaurant Delivery Couriers Compare Through MyMoneyComparison.com
MyMoneyComparison.com is an FCA-authorised UK comparison service that introduces couriers to specialist brokers. We do not sell insurance and we do not give advice: the broker you choose arranges the policy. Using us is free.
One form, one business
Describe the business once, instead of repeating yourself to each broker.
Advice given
We are an introducer, not a broker. We do not sell policies and we do not recommend one insurer or product over another. Read our editorial policy.
Authorised and regulated
MyMoneyComparison.com Ltd appears on the FCA register under FRN 916241.
Incorporated
A UK company since 2013. FCA authorisation is separate and later; the register carries its date.
FAQs
Just Eat Delivery Insurance FAQs
Answers on shift slots, courier contracts, employed work, vehicles and private use.
Do I need my own insurance for this work?
If you are self-employed and using your own vehicle, yes, and it has to be hire and reward cover. Where you deliver under an employment contract in a vehicle the business provides, ask them for written confirmation of what their policy covers.
Will a private policy do for a few shifts a week?
No. The exclusion applies from the first paid delivery, not after some number of them. A claim made during any shift would not be answered, however occasional the work is.
Does booking shifts in advance help the quote?
It does, because it gives you an accurate hours figure. Most delivery workers estimate their week badly, and a quote built on a guess is the kind that unravels at renewal or at claim stage.
Can I work other apps on the same evening?
Usually yes, subject to the contract you have signed. Tell the insurer, because two platforms in one evening means a longer shift and often a wider area than booked slots alone suggest.
What if the restaurant supplies the vehicle?
Then their policy is likely to be the one that matters, but confirm it in writing. The excess and any personal liability can still land on the driver, which is worth knowing before something happens rather than after.
Is car delivery accepted on this work?
Yes, and it is common where the delivery area is spread out. It is rated as car courier work, with mileage and parking counting for more than they would on a moped.
Do I need public liability?
It is worth having. Steps, hallways and communal doors are where the awkward claims start, and that exposure has nothing to do with how you drive or ride.
Can I use the vehicle outside the shift?
Where social and domestic use has been added. It is usual on a courier policy but not automatic, so confirm it rather than assuming cover follows you off shift.
Can I deliver on a private car policy?
No. Carrying goods for payment is excluded, so the policy would not answer a claim made on a job. It is the single most common and most expensive misunderstanding in delivery work.
Is the load insured by the van policy?
It is not. Goods in transit is a separate cover responding to the parcels, and without it a stolen load is your own cost to make good.
Does it cover me driving privately?
Where social use has been included, which is usual but not universal. Ask directly, because a quote written for delivery alone leaves your own driving out.
How are convictions treated?
They are rated rather than automatically refused, and specialist brokers deal with them routinely. What causes real problems is failing to mention one and having it surface after a claim.
What covers me while the vehicle is repaired?
A replacement vehicle section or loss of earnings cover. Neither is standard, and for a courier whose income stops with the vehicle they are usually worth more than a small saving on the premium.
Why does overnight parking matter so much?
Because that is where the vehicle spends most of its life, and a delivery van is a known target. Describe the actual arrangement rather than calling a street a driveway.
Can I put another driver on?
Yes, and shared rounds are normal. Each driver is rated separately, so adding a newly qualified one will move the price more than adding an experienced driver.
Does the type of work change the rating?
It does. Multi-drop parcels, food delivery and longer freight runs produce different stop counts and different load values, and insurers price the pattern rather than the job title.
Ready when you are
Put the Delivery Contract to Brokers
Tell us the vehicle and the shifts you work. Specialist UK brokers can then come back with quotes. Free to use, with no obligation to buy.
- Cars, mopeds, scooters and motorbikes on restaurant orders
- Free to use, no obligation
- FCA authorised and regulated
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About this page
This page explains UK insurance for Just Eat delivery work: hire and reward cover for booked delivery shifts, and what changes depending on the contract you hold. It is general information rather than advice. Policies differ between insurers, so read your own documents and put the questions raised here to your insurer or broker.
How we approached this page
- Published UK courier and goods in transit policy summaries
- Booked shift patterns, contract arrangements and vehicle types
- Financial Ombudsman material on motor insurance complaints