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In the UK and NI, the need for Uber food delivery insurance is required to work for this company as one of their couriers. These food delivery drivers are in high demand and their services are helping to meet the needs of the on-demand consumers who want their ready to eat meals as fast as possible.
It is the level of risk the driver poses to the insurance company that determines the cost of the insurance premium. The more the risk, the higher the cost.
What is Uber food delivery insurance?
In the UK to work as a courier for any company, a commercial insurance policy is required. The Uber drivers need to have a hire for reward policy to cover their vehicle when working. There is a category in this type of cover specifically made for food delivery couriers.
Since the delivery driver is interacting with the public it is also recommended to have public liability insurance. This is protection if a lawsuit is filed by a third party making the claim they were damaged by the delivery driver or their actions.
Does the hire for reward insurance have to be on full time?
When driving for Uber, their courtiers work as both part time and full time making deliveries. These deliveries are made with the courier’s personal vehicle. Since the same vehicle will be used for some pleasure, social and domestic uses, the policy needs to reflect this. By using an app from the insurance company, the cover can be activated when in the process of making a delivery. When the delivery is completed, the app is used again to notify the end time of the delivery and thus returning the policy to a pleasure, social and domestic cover.
What should be noted is that not all insurance firms have this available as an add-on or top-up to a standard vehicle private use policy. For drivers that work 50 plus hours a week, a full time policy might be more cost effective. This is due to the hirer than the normal rate applied for part time coverage.
Why is the commercial vehicle insurance more expensive?
Since a delivery driver is earning an income by operating a vehicle on the road, they will be out and about on the roads covering more miles and at all times rather than when just commuting. Because the operator is on the road more and working under a deadline, they are classified as high risk.
The Uber drivers work during many high risk situations that include;
If you work part time then, consider pay as you go hire and reward insurance and pay only when you are providing that service.
Do I need goods in transit coverage?
Unless you are constantly delivering gourmet meals that cost hundreds of pounds, there is no need to have good in transit cover due to the low cost of food replacement. Most restaurants also will cover the cost of their food if it needs to be replaced.
How do I save money on food delivery insurance?
Several factors play into saving money by reducing the risk to the insurance company. One of the biggest is just how the delivery is made. By turning off the vehicle and locking it when making the delivery to the house or flat will reduce the risk of the vehicle being stolen during the delivery process.
Compare Uber Food Delivery Insurance
Finding the best Uber food delivery insurance policy that meets your individual requirements involves getting submitting your requirements and getting multiple Uber eats delivery insurance quotes and then comparing. We can provide you with multiple quotes by completing only one simple form.