You have to show them your MOT and Insurance and then you get covered by their insurance, so there is no need to add business to your insurance.
You are covered under their insurance Third Party Fire and Theft ONLY - so no damage to your own car. Furthermore, you STILL need to notify your insurer as to your change of occupation - once you mention fast food delivery driver, most will decline to insure you full stop.
Went through all this hassle when my sister decided delivering pizza was a great idea
