No. Personal car insurance explicitly excludes vehicles used for commercial deliveries or carrying goods for payment. If you use your vehicle for courier deliveries, food delivery, or any goods-for-hire service, personal insurance is void during those operations. A commercial or delivery vehicle insurance policy is required.

Goods-in-transit (GIT) insurance covers the cargo inside your delivery vehicle against damage, theft, or loss during transportation. Delivery vehicle insurance covers the vehicle itself. If you carry client parcels, stock, or freight, GIT cover protects your liability for those goods and is often required by clients or couriers.

Yes. Food delivery drivers need commercial use or gig-economy delivery insurance that acknowledges commercial route use and multiple daily trips. Some insurers offer hybrid personal/delivery policies. The platform (Mr D, Uber Eats) may carry limited liability, but it does not replace your own vehicle insurance.

High-mileage delivery use significantly increases premium compared to personal or occasional business use. Insurers consider annual kilometres, daily usage hours, geographical coverage area, and cargo type. Declaring accurate mileage is essential — under-declaration can invalidate claims.