Can I claim my delivery insurance as an expense?
Not if you claim mileage. The 55p per mile allowance already covers vehicle insurance along with fuel, tax and servicing.
Last checked 12/09/2026.
Not your vehicle insurance, if you are claiming mileage. The mileage allowance is a whole-vehicle figure and insurance is already inside it, along with fuel, road tax, servicing and depreciation.
Business insurance that is not vehicle insurance is different and is claimable on top. Public liability cover, or goods in transit cover bought separately from the motor policy, are ordinary business expenses.
If you use actual costs rather than mileage for your vehicle, then the business proportion of the motor insurance is claimable, along with everything else. That is the whole trade-off between the two methods.
JoltMile tracks your insurance cost either way, because it affects what the work really pays you even when it is not a separate deduction.
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