Does it matter what kind of insurance food delivery drivers have?
Absolutely. Here's an example: a Nottinghamshire special constable pulled over a driver suspected of carrying hot food without the right insurance. It turned out that this driver only had the normal social domestic and pleasure insurance policy.
Very charitably, the constable delivered the McDonald's burgers to the customer; after all it would be a shame to let such good food to go to waste; but the charity didn't extend to the fast food driver. He was not only prosecuted for driving without insurance, which the penalty was likely to be six points on his licence plus a fine of up to £5000; but his car was impounded as well, which left him to walk home and scrape together the impound and storage fees which he had to pay in order to avoid his car being taken to the crusher. The full story is at
So, yes, having the right insurance is absolutely essential.
What do I do if I already have insurance?
If you are like 99% of the population you will only have social, domestic and pleasure cover with, perhaps, commuting cover added. This allows you to use your car for normal everyday driving such as going to the shops, going off on holiday, picking the kids up from school, and travelling to and from one single place of employment. It does not cover any business use whatsoever. If you are to use your car, or any other form of motorised vehicle, for any business purpose you need to extend your insurance cover.
I have business insurance. Surely this covers me for fast-food deliveries?
Business insurance covers you for using your vehicle for your own, or your employer's, business. The only difference between most business policies and standard ones is that you can visit different clients at their own addresses, rather than be tied to just one single place of employment. Whilst you can carry samples to show or give to clients, you could not carry any goods that were for sale, or which belonged to someone else.
If, for instance, a travelling salesperson carried an urgent order to a client, that could well be illegal if the salesperson was not covered by insurance for carrying goods.
So what kind of insurance do I need to buy in order to deliver food to clients?
You need a kind of insurance called 'hire or reward' cover. The specific form is called courier insurance; this is a type of insurance that is necessary for making deliveries to multiple people. Even then the type of insurance that needs to be taken out will vary; the insurance company would need to specify exactly what type of product could be delivered. For instance, someone who was insured to carry lightweight packages for a company like Amazon could not use their insurance for a furniture removal business, any more than someone insured for heavy haulage would be insured for delivering pizzas.
If this sounds complex it is because yes it is complicated, which is why you need to talk to a broker who specialises in this type of insurance, in order to make certain that you stay within the law.