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Food Delivery Insurance

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Food delivery insurance

Food delivery insurance NZ

Simply put, food delivery insurance provides coverage to businesses or individuals involved in delivering food. Whether you are a big restaurant or a solo delivery rider, this insurance protects against potential problems you may face while delivering.

Why is food delivery insurance important? 

Imagine this: you’re on your way to deliver a pizza and, out of the blue, there’s an accident. Not only is the pizza ruined, but now there’s also a risk of injury or vehicle damage. With food delivery, you won’t need to bear the brunt of these unexpected expenses. However, if your vehicle is insured under a personal policy, your claim won’t be covered. 

In New Zealand, the average cost of food delivery insurance typically ranges between $50 – $150 per month. 

What covers are typically included in food delivery insurance? 

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Business Vehicle Insurance

Protects vehicles used for food delivery purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for business and personal activities.

Best For
  • Repair costs
  • Third party damages
  • Injuries 
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Loss of use

Coverage that helps when your vehicle is unusable due to an accident. It covers the cost of a temporary replacement vehicle, so you can still get around while your car is being repaired.


Best For
  • Temporary vehicle
  • Reimbursement expenses
  • Accident downtime

How much does food delivery insurance cost?

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Food delivery insurance premiums are calculated on several different factors including:

  • Types of cover
  • Vehicle sum insured
  • Location 
  • Claims History 

Food delivery insurance in NZ typically costs between $50 to $150 per month

Who needs food delivery insurance?

Food delivery insurance is essential for:

  • Restaurants and cafes offering delivery services.
  • Independent food delivery riders or drivers.
  • Companies that specialize in food delivery.
Food Delivery Insurance Gerrards

While it might not be a legal requirement, many businesses make it a point to ensure their delivery operations because of the potential risks involved. Without it, they could face hefty costs from accidents, damages, or other incidents.

Regular vehicle insurance covers personal use, while food delivery insurance is tailored for commercial activities, ensuring protection during food transportation. Food delivery insurance also includes personal use. 

How do I get a food delivery insurance certificate?

You can usually get proof of food delivery insurance same day when you purchase insurance through Gerrards.

Acquiring a food delivery insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or lease.

To obtain insurance coverage promptly, contact one of our food delivery insurance brokers. We may require you to provide some fundamental details about your business, such as:

  • Your full name
  • The sum insured of your vehicle 
  • Location of driving
  • Claims history

What does food delivery insurance not cover?

Normal Wear and Tear

Vehicles depreciating over time or food containers showing signs of use isn’t covered.

Operating Under Influence

If the driver is found to be delivering under the influence of alcohol or drugs, the insurance won’t apply.

Intentional Damage

If a driver or an employee intentionally damages the food or vehicle, that won’t be covered.

Other common questions about food delivery insurance

Absolutely! Gerrards and other insurance brokers often offer customizable policies. This ensures that you only pay for the coverage you truly need.

Standard auto insurance will not cover commercial activities like food delivery. It’s crucial to have specific food delivery insurance to ensure complete protection during deliveries. A food delivery policy will also cover personal use, so that means you won’t need to double insure. 

Generally, a single comprehensive food delivery insurance policy should cover deliveries for multiple outlets. However, always review the specifics with your insurance broker.

This can vary between providers. Sometimes, after a claim, premiums may increase upon renewal. It’s essential to discuss this with your broker beforehand.

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