Food delivery driver insurance

20
Found 24th Jul
Apparently, even though I asked my insurance company if they covered it and added on business insurance because they confirmed they did, they actually don't. Was wondering if any one had any idea where to look? I've tried quotezone, and for whatever reason they are unable to insure me for it. Have tried tradesmansaver, and although they only charge £60 for the year for public liability, my insurance company (Esure) are saying that it would then be classed as double insuring, and they don't do that.
At my wits end as doing deliveries was my only way to make sure we kept our head above water for the summer, with the kids being off school and me not being at uni.

Any help is appreciated.
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20 Comments
If Esure say you will be double insuring, that implies that you are already covered.
Edited by: "mrty" 24th Jul
mrty2 m ago

If Esure say you will be double insuring, that implies that you are …If Esure say you will be double insuring, that implies that you are already covered.


I genuinely don't think they know their a**e from their elbow. I, however, took that to mean that the car couldn't be insured by two different companies?
Not sure of the relevance of PLI for food deliveries. Are you the merchant of the food?
AndyRoyd6 m ago

Not sure of the relevance of PLI for food deliveries. Are you the merchant …Not sure of the relevance of PLI for food deliveries. Are you the merchant of the food?


No, I'm just delivering for a place. I googled fast food delivery insurance and the companies I mentioned came up. The tradesmansavers one has a fast food delivery insurance link on their site.
Deleted
Edited by: "iant67" 24th Jul
AndyRoyd21 m ago

Not sure of the relevance of PLI for food deliveries. Are you the merchant …Not sure of the relevance of PLI for food deliveries. Are you the merchant of the food?


I've actually just looked at the insurance, and they don't actually cover for motor insurance. Back to square one I guess.
It is a specific insurance for fast food delivery if that is what it is and business insurance is not it... you won't be covered.
I wanted to do the same (and be legal) I contacted a specialist broker who could sort it but he said you won't get much change from 2 grand, and that's with me having over 40 years on the road, no accidents or claims driving 1.2 micra ..... it seems you are high risk of an accident. I tried another place and tried to get a deal as it would only be 8 hours of a 168 hour week..... nope. We never got further than "it would be very expensive". Someone I know said they tried Coversure and that came out at £540. My normal cost is £144 last year (fully comp)
Edited by: "steve.t" 25th Jul
steve.t9 m ago

It is a specific insurance for fast food delivery if that is what it is …It is a specific insurance for fast food delivery if that is what it is and business insurance is not it... you won't be covered.I wanted to do the same (and be legal) I contacted a specialist broker who could sort it but he said you won't get much change from 2 grand, and that's with me having over 40 years on the road, no accidents or claims driving 1.2 micra ..... it seems you are high risk of an accident. I tried another place and tried to get a deal as it would only be 8 hours of a 168 hour week..... nope. We never got further than "it would be very expensive". Someone I know said they tried Coversure and that came out at £540. My normal cost is £144 last year (fully comp)


Yeah I don't want to be uninsured at all whilst on the road. I was even going to disclose my earnings, to keep everything above board. Its strange that there are so many delivery drivers, yet so few places insure them. I get that a lot of them won't be insured to deliver, I just don't get how so many get away with it and have no issues.
iant6715 m ago

Yeah I don't want to be uninsured at all whilst on the road. I was even …Yeah I don't want to be uninsured at all whilst on the road. I was even going to disclose my earnings, to keep everything above board. Its strange that there are so many delivery drivers, yet so few places insure them. I get that a lot of them won't be insured to deliver, I just don't get how so many get away with it and have no issues.


I reckon most drive with ordinary insurance..... risky. Not worth paying a premium for insurance for the petty amount you earn though. Yeh, I suppose you could just hope the police don't stop you, but more worrying is if you do have an accident and it was evident that you was doing takeaways.
Would it be worth picking up a cheap scooter and using that instead? Or trying Deliveroo etc and using a bike.
See if the place you work can get insurance for you, places like dominos supply the scooters and they must be insured
Just had a look on tinternet, going with what I read you need business class 3 to deliver goods, 1&2 exclude delivering. As far as I can see.
Just a thought... When you take out insurance you have to select the type you want, not fully comprehensive, third party etc but, whether you want it for commuting, commuting and work..... (I can't remember the actual terms but one includes use at work).
Another thought... I had to take my car to pick up some parts for a company I worked for. They put my car on the company insurance for the day (a right pain as I had to suspend my car insurance for the day). Could they not put your car on their insurance and you pay them the extra premium?
Cakeboy795 h, 17 m ago

Would it be worth picking up a cheap scooter and using that instead? Or …Would it be worth picking up a cheap scooter and using that instead? Or trying Deliveroo etc and using a bike.


I don't think the extra costs incurred would make it worthwhile, especially seeing as I was only going to be doing it over the summer. Thanks though.

Bargainhead3 h, 43 m ago

See if the place you work can get insurance for you, places like dominos …See if the place you work can get insurance for you, places like dominos supply the scooters and they must be insured



I could maybe ask him, but I think that would make my car double insured.

bo84gle3 h, 38 m ago

Just had a look on tinternet, going with what I read you need business …Just had a look on tinternet, going with what I read you need business class 3 to deliver goods, 1&2 exclude delivering. As far as I can see.



I read that, but then I also read that fast food delivery jobs need seperate insurance than any business class insurance.


mrty3 h, 12 m ago

Just a thought... When you take out insurance you have to select the type …Just a thought... When you take out insurance you have to select the type you want, not fully comprehensive, third party etc but, whether you want it for commuting, commuting and work..... (I can't remember the actual terms but one includes use at work).


Yeah, I have class 1 business insurance just now, but that doesn't cover fast food delivery jobs, for whatever reason. Too high risk, apparently.


mrty3 h, 6 m ago

Another thought... I had to take my car to pick up some parts for a …Another thought... I had to take my car to pick up some parts for a company I worked for. They put my car on the company insurance for the day (a right pain as I had to suspend my car insurance for the day). Could they not put your car on their insurance and you pay them the extra premium?


I'm not sure how that would go for normal day-to-day driving.


I've found a specialist company that has quoted me double what I'm paying just now to Esure, so only an extra £100 or so, but they are sending it to the underwriters to try and reduce it, so fingers crossed.
Did delivery driving myself. 99% of places won't insure you, not because of the driving, it's because you're going to people's home's. Once you leave the car that's when the insurance company's panic. Everyone I knew never bothered with it. I know that's the wrong attitude but it's the truth. If the police stop you just take the delivery note of the food. But again 99% of the police turn a blind eye, unless you crash.
STRICKIBHOY46 m ago

Did delivery driving myself. 99% of places won't insure you, not because …Did delivery driving myself. 99% of places won't insure you, not because of the driving, it's because you're going to people's home's. Once you leave the car that's when the insurance company's panic. Everyone I knew never bothered with it. I know that's the wrong attitude but it's the truth. If the police stop you just take the delivery note of the food. But again 99% of the police turn a blind eye, unless you crash.


Surely the insurers only insure whilst you're in the car. Spoke to a specialist company and they're saying not many places do it because it's mostly a per delivery paying job, so people rush to get as many deliveries done as possible.
Knowing my luck, I would get stopped twice in one night by the same policeman.
iant6726 m ago

Surely the insurers only insure whilst you're in the car. Spoke to a …Surely the insurers only insure whilst you're in the car. Spoke to a specialist company and they're saying not many places do it because it's mostly a per delivery paying job, so people rush to get as many deliveries done as possible.Knowing my luck, I would get stopped twice in one night by the same policeman.


that's what I was told when I spoke to someone, can't remember which company, but they said you need insurance to cover you while you approach or enter someone's house. Like dot com drivers, some can and some can't enter the house to drop off shopping. Everyone gets stopped by the police doing deliveries, don't worry about it lol
I've known guys doing it for a long long time, never heard of anyone being done for it.
Not an answer to your question but if you're a university student you should speak to your uni's student finance department. There is financial assistance available to students, even over the summer break, so it's worth exploring what help is available to you.
Your need more than Standard Business Insurance as its not your Business, unless your Business is Preparing, Cooking the Food and then Delivering it to your Customers, there are not your Customers there someone else's, You are effectively a third party Courier, you will need some form of Hire and Reward Insurance for Food Delivery Industry, Your Hired to Delivery something and you are Rewarded with Payment for your Services.

Unless your delivering Hundreds of pounds worth of Food, you wont need Goods in Transit Insurance, you can cover that yourself, but you may also need Public Liability Insurance, in case you injure or kill someone, or damage Property or Assets.

And if your getting quoted 60 or 100 pounds a year for Drivers Food Delivery, it wont be the proper cover, there are Insurance Companies out theer that will cover you on a Pay as you Go Insurance, ie Log On, Log Off per hour, but expext to pay around £3 or more per Hour.

By the way, if something does happen or you do get stopped by the Police, expect a min of having your Car taken away and Impounded, the cost or that and Storage Charges, untill you can show the correct Insurance in place, a Motor Conviction of Driving with No Insurance, 6 Penaty points and a Fine.
Edited by: "zirk" 25th Jul
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