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Food Delivery Insurance
Every time you accept payment for a food run – whether that’s for a local restaurant or a platform like Uber Eats, Menulog, DoorDash or Deliveroo – your vehicle falls under “commercial use”. That means you need specialised food delivery insurance from a trusted broker that connects Australian food delivery drivers with tailored insurance solutions, like P2P Insurance.
Why Food Delivery Businesses Need Specialised Insurance
Whether you’re an independent driver delivering for one of the big platforms or a part-time driver for a local restaurant or fast food chain, personal auto insurance doesn’t cover you for the specific risks your work involves. Food delivery insurance protects delivery drivers from the unique risks of the road you face in your line of work, including hazards caused by frequent stops and tight delivery deadlines, as well as accidents, injuries and thefts while on the job.
Get the Food Delivery Insurance You Need
P2P Insurance connects delivery drivers and rides with tailored food delivery insurance that addresses the gaps left by personal auto insurance policies relating to “hire and reward” work. Whatever your current personal insurance policy, don’t make the mistake of assuming that “comprehensive” means you’re covered for anything that can happen on the road – the moment you accept payment for a food run, the hire and reward exclusion on your personal car insurance policy takes effect. That means your insurer will reject any claims you make while on a delivery.
As takeaway and food insurance brokers, we help delivery drivers and riders like you across Australia get the specialised insurance you need to stay confident – and keep your focus – on the road. At P2P insurance, we offer food delivery insurance solutions containing vehicle damage and third-party property liability, personal accident and downtime cover, and public and products liability inclusions to ensure you’re covered at all times and on every delivery.
Comprehensive & Third Party Insurance
Whether you opt for Comprehensive or you’re happy with Third Party Insurance, this is essential cover that all drivers on Australian roads require.
Hire &
Reward
Fills the gaps left by personal auto insurance and ensures you’re covered at all times – from pick-up to drop-off – on every delivery you make.
Personal Accident &
Downtime Cover
This inclusion replaces lost income if an accident or injury on the job results in either you or your vehicle being out of action temporarily.
Public & Products
Liability
The Public & Products Liability inclusion protects drivers and riders if someone is injured or their property is damaged while you’re on the job.
Food Delivery Insurance in 3 Easy Steps
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How Much Does Food Delivery Insurance Cost?
Depending on your vehicle, the level of coverage you take out, the location in which you work, and the specific insurance provider, food delivery insurance can vary significantly. As insurance premiums can prove highly variable, it’s essential to get a personalised quote from a broker that works with multiple insurance providers.
At P2P Insurance, we compare policies through trusted Australian insurers so you get the best value coverage and peace of mind on the job.
Protection That Moves With Your Business
Flexible Cover Solutions
P2P Insurance connects you with tailored insurance solutions to fit your needs, including pay-as-you-go and fixed-term hire and reward insurance options.
Expert support when you need it
If something goes wrong, you'll get the support you need. P2P Insurance works with trusted partners that provide expert support and fast claims resolution.
Feel Confident Every Delivery
Whether you’re working for a local restaurant or delivering for Uber Eats, Menulog, DoorDash or Deliveroo, the right insurance cover provides peace of mind.
Food Delivery Insurance Australia
Whether you deliver food in Melbourne, Sydney, Brisbane, Perth, Adelaide, or regional Australia, P2P Insurance has you covered with nationwide rental insurance solutions.
Get insuranceFrequently asked questions.
Who needs food delivery insurance?
Anyone who delivers food in a commercial scenario requires food delivery insurance – private vehicle insurance policies don’t cover you the moment you accept payment for a run.
Why do I need food delivery insurance?
Because you’re not covered by workers compensation laws and personal auto insurance doesn’t cover vehicles used for deliveries, food courier insurance is a must to protect you from liability and financial loss.
Can I use personal car insurance for food deliveries?
No. As personal car insurance doesn’t cover the risks inherent to food delivery work, like frequent stops and tight deadlines, you need specialised takeaway delivery insurance.
Can I use personal car insurance as a courier?
No – courier insurance is a must, as it’s a type of commercial motor policy with essential Goods in Transit and Public and Product Liability inclusions.
What is ‘hire and reward’ insurance, and is it compulsory?
Hire and reward (H&R) insurance is a type of commercial motor insurance that covers you when you use your vehicle to deliver food for payment. As you must be covered for third-party liability while operating commercially, you need to hold a policy that lists hire and reward.
Isn’t the insurance my delivery platform provides adequate?
Most likely not – platforms like Uber Eats, DoorDash, Menulog and Deliveroo supply limited “contingent” cover, which is CTP and sometimes third-party property, but only while an order is live, so food delivery driver insurance is essential to plug the gaps.
Are motorbikes and ebikes covered?
Yes – you can definitely cover the motorbike or ebike you use for food deliveries, and with insurers focusing on public liability and theft over vehicle damage, insurance premiums are lower than for cars and vans.
Get in touch with us.
Have questions about coverage, claims, or anything in between? Our experienced staff are just a click or call away-reach out and let us guide you to complete peace of mind.
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