Published On: Sun, Dec 31st, 2017

Fast food delivery insurance policy: Covering the driver from potential accidents

As the ‘gig’ economy explodes in recent times, increasingly large numbers of people find themselves self-employed working on their own as long as activities like paying taxes to Uncle Sam and ensuring they have the best insurance policy is concerned. Have you heard about fast food delivering company called Deliveroo? They ensure that almost anyone has the ability to become a delivery driver, irrespective of whether he drives a moped or a car or a bicycle.

Whichever might be your delivery vehicle, it’s vital that you select the befitting insurance coverage which protects your vehicle and you. Read on to know more on the different fast food delivery insurance coverage options that you may choose from.

photo supplied, courtesy of guest blogging network

When you’re driving a car for fast food delivery

Are you planning to use your personal car to start off with the delivery services? If answered yes, you should first notify your present insurance company as this will fall under the category called ‘business use’. If you fail to do this, it could lead to the policy going void and any claim could be immediately rejected by the insurer. If you rely on your delivery driving income, this could call in for some trouble.

If you thought that the car insurance policies for fast food delivering services are similar to the conventional auto insurance policies, you were wrong. The nature of the job dictates the coverage to be more tailored since majority of the driving is done during night and usually on the inner city roads. Delivery drivers usually are under pressure to be prompt, swift, which in turn increases their risks on road. All this clearly indicates that you have to watch out for special insurance companies which can offer you the right coverage.

When you drive a motorbike for fast food delivery services

Just as you drive your cars, if you plan to utilize your motorbike, even then you will need to inform your insurer about the level of coverage that you may require. Your bike insuring company should be aware of the fact that now you’ll be riding your motorbike for commercial purposes. As soon as you notify them, in most probability, your premium cost will increase and you will certainly get a better deal.

When you take a bicycle for fast food delivery services

If you thought that you won’t get anyone to insure your cycle, you were mistaken as there are various specialist cycle insurance providers in the market. However, when you use your cycle for business purpose (that of delivering food), you will need a cycling liability policy. A standard cycle insurance will cover you against bike theft, damage or if it is lost. This is a much-needed policy, especially when you use it to ride all night.

Besides what you have learnt about fast food delivery insurance options, something that will please you is that people who deliver fast food on their bicycle are not required by law to get their cycles insured. Hence, it is entirely your choice.

Author: Pankaj Deb

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