If you're working as a food delivery driver, do you need specialist food delivery insurance? This article explains how to make sure your insurance covers you for making food deliveries.
Why Do You Need Fast Food Delivery Insurance?
It is a legal requirement in the UK to have the right car insurance, in order to be on the road. Therefore, it is important to note that your standard car insurance policy will not cover you for delivering food from restaurants or takeaways to customers for payment. To be able to do that within the law, you will need to ensure that you have fast-food delivery insurance, which is a form of hire and reward (H&R) insurance.
A standard domestic policy covers your personal driving, like driving to the shops or visiting a friend. If you are delivering food in exchange for payment, it is important to know that this type of insurance does not fully cover you and that you need more specialist cover.
What Kind Of Insurance Do I Need For A Job As A Delivery Driver?
Hire and reward policies are designed for those wanting to deliver goods from A to B, in exchange for payment – such as food delivery drivers.
A basic level of business insurance is called ‘Class A(1) Business Use insurance’. This type of cover is generally used by people in office-based jobs to allow them to travel to meetings and for other infrequent, ad-hoc journeys. While better for businesses that require social and domestic car insurance, it is still insufficient for use as a delivery driver.
Class C(3) business use car insurance, or company car insurance, provides an increased level of insurance and forms the basis for fast food delivery insurance. Therefore, it is commercial car insurance or more specific food delivery insurance that you should look for as a delivery driver.
Is Food Delivery Driver Car Insurance Expensive?
As with any policy type, and with each individual policyholder, prices will always vary. But to give you an idea, some of the factors that can influence the price of food delivery driver insurance premiums include:
- Your personal driving history
- The type of vehicle you want to insure
- Where you live and will keep your vehicle
To find out more about how your car insurance is calculated, take a look at our recent article.
By taking out a food delivery driver policy with Be Wiser, you can have peace of mind that you are correctly insured. Start your search for the perfect food delivery driver policy with us today!