Takeaway Insurance from £8.00/month

Takeaway insurance — UK fast-food and delivery-led cover

Takeaways carry a higher fire-risk rating than seated restaurants because of fryer use, late hours and (frequently) open-flame cooking such as charcoal grills or tandoors. Add in delivery riders, cash-handling and licensed-area exposure and a properly brokered takeaway policy is essential. Premier Insurance arranges cover for fish & chip shops, pizza takeaways, kebab shops, chicken shops, Indian / Chinese / Caribbean takeaways and delivery-first dark kitchens.

Takeaway-specific cover

• Buildings & tenants' improvements
• Contents & equipment including fryers, tandoors, charcoal grills
• Public & products liability £5m–£10m with allergen wording
• Employers' liability £10m
• Late-hours endorsement — essential past 11pm
• Money & assault — high relevance for late-night cash businesses
• Delivery rider hire-and-reward if you run your own riders (not gig-economy)
• Business interruption with at least 18 months indemnity

Typical takeaway insurance pricing in 2026

• Small pizza takeaway (under £200k turnover): £85.00–£165.00/mo
• Fish & chip shop (fryer + late hours): £140.00–£245.00/mo
• Charcoal / tandoor takeaway: £180.00–£320.00/mo
• Multi-channel takeaway (Uber Eats + Deliveroo + own riders): £210.00–£395.00/mo

The fryer warranty and the deep-clean condition

Every takeaway with frying carries a fryer / extraction warranty requiring: thermostatic high-limit cut-out; quarterly professional extraction clean with TR19-compliant certificates; no operation of fryers outside trading hours; and a fire blanket / wet-chemical extinguisher in immediate reach. Breach any of these and a fire claim (typical loss £80k–£300k including BI) is denied. Pre-bind we help you document your cleaning regime properly — and at renewal we make sure your TR19 certs are on file with the insurer.

For a takeaway quote, call 020 8908 2426.