These days, food delivery drivers have almost become heroes for many busy families. Besides the convenient service they provide, lots of local people have begun working for food delivery companies to enjoy a flexible schedule while they supplement their income. If this describes you, don’t assume that your current car insurance will cover you while you’re working to earn income. Take a few minutes to understand why you need to make certain that you have the right insurance in place before you start delivering meals.
Will Your Current Auto Policy Cover Food Delivery?
If you bought typical auto insurance, you could almost bet that it will exclude most cases of using your vehicle to conduct business. The insurer offered you premiums for personal driving and not business driving. If you have an accident while you’re working, the insurer may refuse to pay for damages. They can do that because you took a risk that you did not explain when you first applied for your policy.
For instance, regularly working for such food delivery apps as Uber Eats or DoorDash will mean that you’ll put more miles on your car. When you took out your policy, you probably estimated how much you drove each year, and with delivery work, you’ll certainly exceed that. Meanwhile, your insurer based their premiums upon your estimate.
What About Delivery Service Insurance?
These days, most of the larger delivery companies offer their drivers additional liability insurance. These policies vary by company. In general, they’re only in force while the driver is actively engaged in their work:
- With some companies, that means as soon as the driver accepts an order, they’re covered.
- Other companies have policies that only cover drivers while they actually have food in their car.
Either way, drivers may experience some gaps in coverage when they’re performing activities that aren’t directly related to their orders. Some examples may include communicating with customers or waiting for the next order. Also, these are typically only liability insurance policies. If your car gets damaged by a vandal or a hailstorm, you could find yourself without coverage.
How to Cover Your Food Deliveries
You can get the right insurance to cover you while you’re making food deliveries for the delivery service. Depending upon your situation and insurer, you might have a few options.
- Some companies offer an option for personal policies that are often called ride-share insurance. Though it was first designed for ride-share drivers, it may be tailored to fit the needs of delivery drivers as well.
- In other circumstances, you might need to add commercial car insurance to your current policy. Commercial policies are specifically meant to protect people who use their cars to do business.
To figure out how to protect yourself, you should speak with an experienced insurance agent. The agent can review your current policies, explain exactly how you’re currently covered, and suggest options that can bridge any coverage gaps.
Explore Auto Insurance for Delivery Drivers
At Feivor Insurance Agency, we’ll work with you to put together the right package of protection. You’re always welcome to stop by, call, or email us with your questions. We can help you compare various options to ensure you have the right auto insurance from a high-quality insurance company. We’ll also help you figure out the most affordable way to obtain the protection that you need. After that, we’re available to help if you ever do have to make a claim.