Food Delivery
Insurance

Compare motorbike, scooter, and moped insurance for food delivery via Brumble. Hire and reward cover for Uber Eats, Deliveroo, and Just Eat riders.

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Hire and reward cover for food delivery riders

Scooter, moped, and motorbike delivery policies compared

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What Is Food Delivery Insurance?

If you deliver food on a scooter, moped, or motorbike, your standard motor policy will not cover you. Food delivery insurance is a specialist type of motorbike insurance for anyone who is paid to deliver food.

In the UK, food delivery counts as "hire and reward" use because you are being paid to carry goods. Standard scooter, moped, or motorbike insurance does not include hire and reward cover. Riding for delivery on a standard policy could mean:

Your insurance is invalid for any incident during a delivery.
Any claim you make can be refused.
Under the Road Traffic Act 1988, driving without valid insurance can result in a fine of up to £5,000 and six penalty points.
You could lose your driving licence.

When comparing motorbike insurance via Brumble, select a policy that covers hire and reward use. This means your policy covers you while you are being paid to deliver food. Most UK delivery platforms require riders to hold this cover before they can go live on the app.

Insurance for Uber Eats, Deliveroo and Just Eat Drivers

The three main UK food delivery platforms all require riders and drivers to hold valid hire and reward insurance before going live on the app. Uber Eats insurance, Deliveroo cover, and Just Eat cover all follow the same principle: your standard scooter or motorbike policy will not cover you for delivery work. You must select a policy that includes hire and reward use.

What each platform expects:

Uber Eats. Uber Eats insurance requires you to hold your own hire and reward motorbike, scooter, or moped cover. Uber food delivery insurance is the rider's responsibility, not the platform's. Bicycle couriers are covered by Uber Eats' own third-party policy while on trip.
Deliveroo. The same principle applies. Riders on a scooter, moped, or motorbike must have their own hire and reward cover before starting.
Just Eat. Self-employed couriers must arrange their own vehicle insurance including hire and reward use. Just Eat also runs a courier network with its own operational cover, but individual riders still need their own bike insurance.

Whichever platform you deliver for, food insurance for Uber Eats or another app should be arranged before your first shift. Compare motorbike insurance via Brumble and make sure you select hire and reward use when getting quotes.

How Much Does Food Delivery Insurance Cost?

Food delivery insurance cost for a scooter, moped, or motorbike depends on several rider and bike-specific factors. Comparing motorbike insurance via Brumble and selecting a policy that includes hire and reward use is one of the most reliable ways to find out how much you would pay.

Factors that may push cost up or down:

Rider age and experience. Younger riders typically pay more, as insurers may view them as higher risk.
Postcode. Urban delivery hotspots tend to cost more than suburban or rural areas.
Bike type. 50cc scooters are usually cheaper to insure than larger 125cc or 250cc motorbikes.
Delivery hours. Full-time delivery riders typically pay more than occasional or peak-hours riders.
Security. An approved lock, chain, and secure overnight storage may help reduce your premium.
Claims history. A clean claims record may result in lower quotes.

To find cheap food delivery insurance or cheap hire and reward insurance for a scooter or motorbike, compare quotes across specialist and mainstream providers via Brumble. Prices for the same rider on the same bike can vary between providers, so shopping around is one of the most reliable ways to find competitive cover.

51% of consumers who received a quote for motorbike insurance through the service provided by Seopa Ltd. in May 2026 were quoted less than £256.34. Source: Quotezone, May 2026.

Selecting the Right Cover for Food Delivery

The most important step for food delivery riders is making sure the policy you buy actually covers you while you are being paid to deliver. When comparing motorbike insurance via Brumble, look for these features:

Hire and reward use. The policy must explicitly cover carrying goods for payment. Standard social, domestic and pleasure cover is not enough.
The right class of use. Select business use, not just commuting, when you get a quote if the bike is used for delivery.
Realistic mileage. Estimate your annual mileage honestly, including delivery miles. Underestimating could void a claim.
Cover for the goods you carry. Optional add-ons may cover food or delivery items in transit.

Some providers may offer pay as you go policies charged by the hour or per shift, which can suit riders who deliver occasionally. These are not currently comparable via Brumble. Brumble focuses on comparing annual motorbike insurance policies from 25+ UK insurers, including specialist providers that offer hire and reward cover for delivery riders.

For general information on motorbike cover types, see our motorbike insurance page.

Hire and Reward Insurance for Delivery Riders

Hire and reward insurance for food delivery is a specific type of hire and reward car insurance or motorbike insurance. The legal classification covers any use of a vehicle to carry goods for paid delivery.

When comparing motorbike insurance via Brumble, make sure you select a policy that covers hire and reward use. This means your policy covers you while you are being paid to deliver food, whether that is hot meals from a restaurant to a customer, groceries from a supermarket, or any other paid delivery on a scooter, moped, or motorbike.

Insurance for delivery drivers is not one-size-fits-all. Different insurers specialise in different rider profiles, bike types, and delivery hours. Some things to look for:

Full-time or part-time delivery. Some insurers offer better rates for occasional riders, others for full-time.
Peak hours only. If you deliver at peak times (evenings and weekends), tell the insurer honestly.
Multiple platforms. If you deliver for more than one app, mention this when quoting.
Type of food carried. Alcohol delivery may be priced higher than standard food delivery.

For scooter or moped riders new to delivery work, see our scooter and moped insurance page for a full overview of cover types and how comparison works via Brumble.

Delivering by Car or Van

This page focuses on food delivery on a scooter, moped, or motorbike. If you deliver by car or van, the same hire and reward rules apply, but the policy type is different.

Delivering food by car. Standard car insurance does not cover paid delivery. See our car insurance page for comparison. When quoting, select a policy that covers hire and reward or business use.
Delivering parcels or groceries by van. For van-based courier and parcel delivery cover, see our courier and hire and reward van insurance page.

Food Delivery Insurance FAQs

Common questions about food delivery insurance for scooters and motorbikes in the UK.

Yes. If you deliver food on a scooter, moped, or motorbike, your standard policy will not cover you. Food delivery counts as "hire and reward" use because you are being paid to carry goods. Delivering food on a standard social, domestic and pleasure policy could void your cover and result in claims being refused. When comparing motorbike insurance via Brumble, select a policy that covers hire and reward use.

Uber Eats provides limited third-party cover for injury or damage caused during an active delivery, but this does not replace the personal hire and reward vehicle insurance you must hold. You must arrange your own food delivery insurance before you can accept Uber Eats orders in the UK.

Food delivery insurance cost depends on rider age, location, the scooter or motorbike, hours worked, and claims history. Comparing motorbike insurance via Brumble and selecting a policy that covers hire and reward use is one of the most reliable ways to find out how much you would pay. 51% of consumers who received a quote for motorbike insurance through the service provided by Seopa Ltd. in May 2026 were quoted less than £256.34.

Hire and reward is the legal classification for any use of a vehicle to carry goods for payment, including food delivery on a scooter, moped, or motorbike. Standard motor insurance does not include hire and reward use. You must select a policy that covers hire and reward when quoting for a bike used for delivery work.

Yes, but the policy type differs by vehicle. For food delivery in a car, see our car insurance page. For parcel or courier delivery in a van, see our courier and hire and reward van insurance page.

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