Two policy names, almost identical wording, and most drivers have no idea which one applies to them. The distinction matters, because buying the wrong one leaves you no better covered than buying nothing.

What they have in common

Both are hire and reward policies. That is the class of use that permits carrying goods for payment, and it is the thing a standard private car or bike policy does not include.

Social, domestic and pleasure does not cover delivery work. Neither does business use, despite the name. If you are delivering for money on either of those, you are uninsured from the moment you accept the job.

Fast food delivery insurance

This is generally for drivers and riders working for a single restaurant or takeaway, usually on short local runs, and often on a moped or scooter.

The working pattern is predictable: the same small area, the same premises, repeated short journeys. Policies are built around that, and cover can often be arranged for the vehicle whether it belongs to you or to the restaurant.

If you ride a moped for a local takeaway, this is almost certainly the one.

Food delivery driver insurance

This is aimed at drivers working through the delivery platforms, using their own car, often across a wider area and for more than one app in the same shift.

The pattern is different. Longer distances, variable hours, and no single employer. Policies tend to reflect that, and some are written on a flexible or pay as you go basis for people who only work certain evenings.

Do not rely on the platform’s cover

This is where most drivers come unstuck. Some platforms provide a degree of cover for riders, but it is usually accident or public liability rather than motor insurance, and it often only applies while you are on an active delivery.

That leaves the drive to the restaurant, the wait between jobs, and the drive home sitting outside it. Check what your platform actually provides in writing rather than assuming it fills the gap.

If you are employed rather than self-employed

Working for a restaurant does not automatically mean you are covered by its policy. If you use your own vehicle, the employer’s insurance may not extend to it at all, and where it does there are often age or experience restrictions on named drivers.

Ask to see the certificate rather than take it on trust.

Getting the right one

If you are not sure which applies, tell us how you work rather than what you drive. That is what determines the policy.

Call Alternative Insurance Brokers on 0161 388 2520.