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Uber Eats Insurance

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Uber Eats Insurance

Your Local Uber Eats Insurance Experts.

Every Uber Eats driver needs to be protected and that’s where Uber Eats insurance comes into play. Whether you’re new to the food delivery industry or a seasoned pro, ensuring you have the right cover is critical for your peace of mind and financial stability. Here at Gerrards Insurance Brokers, we understand your unique requirements and are committed to helping you secure the best deal for your Uber Eats insurance. Feel free to contact us now for a quote or continue reading for an in-depth look at Uber Eats insurance in New Zealand.

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Understanding Why Uber Eats Drivers Need Insurance

As an Uber Eats driver, your vehicle is more than just a car – it’s your livelihood. Insurance provides a safety net that shields you from potential financial blows that can result from accidents, theft, or other unforeseen circumstances

Cover Options for Uber Eats Insurance

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Business Vehicle Insurance

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

Best For
  • Repair costs
  • Third party damages
  • Injuries 
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Public Liability

This policy covers common business risks including bodily injuries and customer property damage whilst outside the vehicle.

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection
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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

Uber Eats Insurance: Real-life Claims Examples

To understand the significance of these covers, consider the following examples.

Crashing into another car

Your Uber Eats commercial vehicle insurance could cover the damage to both your vehicle and the other party’s car. Loss of use cover could compensate you whilst you are unable to use your car. 

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Car scrapes a building while reversing

Here, commercial vehicle insurance could cover the cost of the damage to the building and your car.

ClaimsExample 60

Car backed into by third party

Again, your Uber Eats commercial vehicle insurance could come into play, covering the repair costs of your vehicle.

ClaimsExample 61

Car stolen

In this unfortunate circumstance, commercial vehicle insurance could cover the cost of replacing your car.

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Wearing muddy shoes into a premise and damaging the floor

Public liability insurance could take care of the costs related to floor damage.

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Damage from a sudden hailstorm

The unpredictable nature of weather could result in a costly repair bill. Your Uber Eats commercial vehicle insurance would cover such damage.

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Watch Out! Avoid These Uber Eats Insurance Pitfalls

When it comes to insurance, there are common mistakes to be aware of:

Insuring the vehicle through a personal car insurance policy

This will not provide cover while driving for Uber Eats.

Not taking out loss of use

If your car requires a month for repair following an accident, loss of use can pay to hire a replacement vehicle.

Inadequate sum insured

Make sure the sum insured accurately reflects your vehicle’s value.

Unclear on your excess

Know what you’re up for in the event of a claim.

Not declaring previous claims or accidents

Failing to disclose previous claims or accidents could result in declined claims or cancellation of your insurance.

Underestimating public liability

Damage outside of your vehicle can lead to significant costs if uninsured.

Overlooking windscreen cover

Whilst windscreen cover with nil excess is standard on most commercial policies, it pays to check that yours includes this. Windscreens can run into the hundreds of dollars to replace so this cover is worth having. 

Neglecting to read the fine print

Understand all policy terms, conditions, and exclusions.

Cost of Uber Eats Insurance

The cost varies significantly, ranging from $500 a year for an older car to between $2,000 and $3,000 for a new electric vehicle. Key factors that influence the cost include:

The sum insured of the vehicle

Higher valued cars generally attract higher premiums.

Your location

Areas with high accident rates or vehicle theft tend to have higher premiums.

Who is being covered

The driver’s age, driving experience, and claim history influence the cost.

Level and type of cover required

Comprehensive cover costs less than having both comprehensive cover and loss of use. 

Making a Claim on Your Uber Eats Insurance

When a claim is required, we at Gerrards Insurance Brokers stand by your side, handling the process on your behalf with our team of claims experts.

How to Buy Uber Eats Insurance

Engage with us at Gerrards Insurance Brokers and we’ll ensure you get the right cover at the best deal, tailored to your unique circumstances.


Navigating Uber Eats insurance may seem daunting but it needn’t be. With Gerrards Insurance Brokers, you’re partnering with a team that understands the intricacies of insurance, working to ensure you’re not only adequately protected but also receive the best deal. By keeping the above points in mind and avoiding common pitfalls, you can confidently embark on your Uber Eats journey in New Zealand, knowing that we’ve got your back. Get in touch with us today for a quote.

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