Since the delivery driver is interacting with the public it is also recommended having 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 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.

How much is UberEats Food Delivery Insurance?

When it comes to delivery insurance you have 2 options. The first option is the traditional route of taking out an annual hire and reward policy. This type of policy has additional risk than the standard Social Domestic and Pleasure (SD&P) car insurance and as a result more expensive.  The alternative that has gained huge popularity is the pay as you go delivery insurance model. This model will be based on usage so if you are part-time or only work some hours on an occasional basis it is the perfect solution.

The is usage cover and has been designed to work alongside your standard vehicle insurance. The idea is that your standard car insurance will cover you for SD&P and the usage model will only provide cover during delivery hours.  Before going this route you must check with your car insurance provider as some traditional providers will not allow you to add additional insurance and they will void your policy of they discover you are doing this.

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 UberEats 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 insurance policy that meets your individual requirements involves getting submitting your requirements and getting multiple Uber courier insurance quotes and then comparing. We can provide you with multiple quotes by completing only one simple form.