Question 1

What insurance do I need to deliver food in Hove?

Accepted Answer

You need hire and reward motor insurance for the vehicle you use, because private and class 1 business use does not extend to delivering goods for payment. If you employ riders or drivers, employers

Question 2

Does my private car insurance let me deliver takeaways?

Accepted Answer

No. Food delivery is carriage of goods for hire and reward and is excluded from private motor policies, including most class 1 business use extensions. Delivering on the wrong basis can invalidate a claim and lead to prosecution for no insurance.

Question 3

Do platform riders need their own insurance?

Accepted Answer

Platforms may provide limited accident or third-party protection while you are on a job, but it rarely replaces a proper hire and reward policy or protects your own vehicle. Check what the platform provides and insure the gaps.

Question 4

What insurance does a Hove takeaway or dark kitchen need?

Accepted Answer

Public and products liability, employers

Question 5

Is food poisoning insured?

Accepted Answer

Products liability, normally arranged with your public liability, responds to claims from customers who become ill after eating food you prepared, subject to policy terms and insurer acceptance. Good hygiene records support any claim.

Question 6

Can you insure electric bikes and scooters used for delivery?

Accepted Answer

It depends on the vehicle

Commercial Insurance Broker in Brighton