[Finance] Are Deliveroo drivers insured ?

[WATFORD zero]

This quote was nicked off another thread.

I read the other day that your car insurance may be declared invalid if you are driving for reasons other than to get to work/doctors/food shopping and you have an accident ! The Insurance companies always play with loaded dice.

But I have thought about this before. Most car/bike/moped insurances are domestic, pleasure and commuting. Do all the various delivery drivers (not just deliveroo), take out insurance for or including their work or do we have 10's of thousands of 'uninsured' drivers/riders on the road.

I'm wondering if someone in the Motor Insurance business knows whether companies have started writing specific insurances for this ?

 

[Is it PotG?]

Ask them.

 

[Poojah]

The delivery of hot food requires specialist insurance, and is quite expensive I think, at least in the context of what delivery drivers earn for their services.

What percentage of drivers have actually taken out this insurance, I have no idea.

 

[Chicken Run]

This quote was nicked off another thread.



But I have thought about this before. Most car/bike/moped insurances are domestic, pleasure and commuting. Do all the various delivery drivers (not just deliveroo), take out insurance for or including their work or do we have 10's of thousands of 'uninsured' drivers/riders on the road.

I'm wondering if someone in the Motor Insurance business knows whether companies have started writing specific insurances for this ?

My understanding is when they sign up they have to present the insurance certificate showing relevant business insurance.

 

[WATFORD zero]

Ask them.

Chasing Deliveroo drivers around shouting questions at them on a Sunday morning may not be as productive as typing the question on a forum with 25,000 members. Thanks for the suggestion, but I'll give it a miss

 

[Live by the sea]

With what they earn which is probably not much , doubt very much they would think about special insurance. Lucky if they have basic 3rd party insurance !

 

[vegster]

This quote was nicked off another thread.



But I have thought about this before. Most car/bike/moped insurances are domestic, pleasure and commuting. Do all the various delivery drivers (not just deliveroo), take out insurance for or including their work or do we have 10's of thousands of 'uninsured' drivers/riders on the road.

I'm wondering if someone in the Motor Insurance business knows whether companies have started writing specific insurances for this ?

I should have clarified my original post but interestingly you have opened another can of worms!
My original post referred to an article I read that stated that " unnecessary journeys" during lockdown my not be covered by insurance in the event of a prang, and that only "essential" travel is covered.

I must admit, having seen the likes of Deliveroo and Just Eat riders and drivers whizzing around Brighton I would expect any specialist insurance to be a huge cost... So, I expect they are not covered.

 

[Guinness Boy]

Yes they should have fast food delivery insurance. There are specialist policies. If they went for regular insurance and lied during underwriting their policy would be invalid at claim. I believe cabbies and Amazon / Yodel type couriers have slightly different specialist insurance.

Whether these gig economy companies enforce it or not I have no idea.

 

[Chicken Run]

I should have clarified my original post but interestingly you have opened another can of worms!
My original post referred to an article I read that stated that " unnecessary journeys" during lockdown my not be covered by insurance in the event of a prang, and that only "essential" travel is covered.

I must admit, having seen the likes of Deliveroo and Just Eat riders and drivers whizzing around Brighton I would expect any specialist insurance to be a huge cost... So, I expect they are not covered.

Where do you think Deliveroo and say Uber Eats stand then knowingly having riders running round town not correctly insured?

 

[KZNSeagull]

When I delivered for Domino's for a while I was included on the company wide insurance. I would expect, but do not know for sure, that the others are the same.

 

[Chicken Run]

Yes they should have fast food delivery insurance. There are specialist policies. If they went for regular insurance and lied during underwriting their policy would be invalid at claim. I believe cabbies and Amazon / Yodel type couriers have slightly different specialist insurance.

Whether these gig economy companies enforce it or not I have no idea.

Cabbies have specialist insurance, in most cases 2k a year and have to log the correct insurance certificate with their license authority and company they work for.

 

[dazzer6666]

From the Deliveroo website.......seems public liability/third party risks are covered.


What's covered by Deliveroo insurance?

As a Deliveroo rider you are covered by our insurance whenever and wherever you’re out on the road with us in the UK. This includes the whole time you’re online, as well as up to one hour after you go offline.

Rider accident insurance

Covers all riders when working.

Your accident insurance gives you supporting income in case you can’t work following an accident while working with Deliveroo. You can claim an ongoing payment if you are injured and unable to work, and a lump sum payment for many injury types. You also have access to legal expenses cover, and a counselling and advice service.

Find out more about rider accident insurance

Rider public liability

Covers cyclists and walkers when working. It also covers scooter and car riders when they’re ‘off-vehicle’, for example, when walking to pick up and deliver orders.

You and your substitutes get £1,000,000 of cover in case you cause injury to someone whilst at work. It also gives you protection in case you damage someone else’s property whilst working, such as other vehicles or buildings. Legal costs are included in the cover.

Find out more about rider public liability

Who's covered?

You: As a Deliveroo rider, you’ll be protected by our insurance cover.
Your substitute: If you have someone else working for you as a substitute, they will be covered too.
What's not covered?

Riders using a car or scooter to complete deliveries will need to purchase their own vehicle insurance - you can find out what you need below.

Your own vehicle and other items of kit will also not be covered by this insurance. If your kit has been damaged and you want to replace it, please get in touch with us.

 

[WATFORD zero]

From the Deliveroo website.......seems public liability/third party risks are covered.


What's covered by Deliveroo insurance?

As a Deliveroo rider you are covered by our insurance whenever and wherever you’re out on the road with us in the UK. This includes the whole time you’re online, as well as up to one hour after you go offline.

Rider accident insurance

Covers all riders when working.

Your accident insurance gives you supporting income in case you can’t work following an accident while working with Deliveroo. You can claim an ongoing payment if you are injured and unable to work, and a lump sum payment for many injury types. You also have access to legal expenses cover, and a counselling and advice service.

Find out more about rider accident insurance

Rider public liability

Covers cyclists and walkers when working. It also covers scooter and car riders when they’re ‘off-vehicle’, for example, when walking to pick up and deliver orders.

You and your substitutes get £1,000,000 of cover in case you cause injury to someone whilst at work. It also gives you protection in case you damage someone else’s property whilst working, such as other vehicles or buildings. Legal costs are included in the cover.

Find out more about rider public liability

Who's covered?

You: As a Deliveroo rider, you’ll be protected by our insurance cover.
Your substitute: If you have someone else working for you as a substitute, they will be covered too.
What's not covered?

Riders using a car or scooter to complete deliveries will need to purchase their own vehicle insurance - you can find out what you need below.

Your own vehicle and other items of kit will also not be covered by this insurance. If your kit has been damaged and you want to replace it, please get in touch with us.

Thanks. Seems pretty comprehensive

Seeing that, I suspect that all major delivery companies will have similar.

I can now take out lunatic Deliveroo riders when I'm driving, safe in the knowledge they are fully insured

 

[Official Old Man]

Yes, the big companies do insure their drivers / riders.
But what about our out of town local take-away. Top of the town in Uckfield is chaos most evenings with 5 take aways all with at least 3 cars delivering food. As these are part time guys doing it for a fee good chance non have the required insurance.
Back to the original question though. Why would you just 'go for a drive' at the moment apart from testing your eyes? And if you are in an accident, just say you were going shopping.

 

[PILTDOWN MAN]

I should have clarified my original post but interestingly you have opened another can of worms!
My original post referred to an article I read that stated that " unnecessary journeys" during lockdown my not be covered by insurance in the event of a prang, and that only "essential" travel is covered.

I must admit, having seen the likes of Deliveroo and Just Eat riders and drivers whizzing around Brighton I would expect any specialist insurance to be a huge cost... So, I expect they are not covered.

There's a real issue there about misinformation. It started, I believe, with a quote from a Uswitch representative. She stated insurance maybe invalid if unnecessary trips were made.

This can not be dictated by an insurance company. They can't suddenly decide to rule over whether one should be allowed to be on the road or not, next they could say if it's raining, snowing or icy you can't drive your car. When you buy insurance there's t and c's that bound all parties.

It is and was a reckless thing to say.

 

[vegster]

There's a real issue there about misinformation. It started, I believe, with a quote from a Uswitch representative. She stated insurance maybe invalid if unnecessary trips were made.

This can not be dictated by an insurance company. They can't suddenly decide to rule over whether one should be allowed to be on the road or not, next they could say if it's raining, snowing or icy you can't drive your car. When you buy insurance there's t and c's that bound all parties.

It is and was a reckless thing to say.

But as we know, Insurer's are always the first to look for loopholes if there is a claim against them.. Always OK to take the premiums though!

 

[PILTDOWN MAN]

But as we know, Insurer's are always the first to look for loopholes if there is a claim against them.. Always OK to take the premiums though!

You're right but other than asking if you were working, and you don't have business insurance, they have no right to ask the reason for your journey.

The only conditions I know of other than business use is mobility car insurance, those driving the car have to be using it for the benefit of the disabled person, and certain restrictions on young drivers.

 

[Superphil]

When I used to run my own car for business, instead of a company car, I told my insurers who then told me that it was included in my insurance anyway. Subsequent insurers all said much the same, had no apparent effect on the premium when I told them that the car would be used for business. Perhaps it was more about the fact I told them it would be used for business and they could record it as such, rather than it impacting on the premium.

 

[PILTDOWN MAN]

When I used to run my own car for business, instead of a company car, I told my insurers who then told me that it was included in my insurance anyway. Subsequent insurers all said much the same, had no apparent effect on the premium when I told them that the car would be used for business. Perhaps it was more about the fact I told them it would be used for business and they could record it as such, rather than it impacting on the premium.

Indeed it made very little difference to my premiums not bad considering I do around 25000 business miles a year.

 

[studio150]

My original post referred to an article I read that stated that " unnecessary journeys" during lockdown my not be covered by insurance in the event of a prang, and that only "essential" travel is covered.

.

This was because someone who works for a price comparison company issued a press release stating this, was was published and then picked up by other papers, TV and social media.
However, the person quoting this, had next to no understanding of the Road Traffic Act in relation to insurance, nor motor insurance policy wordings.

The ABI needed to issue a statement later in the day clarify that the information was incorrect and that the existing cover on your insurance policy continues.

The detail quoted by the price comparison spokesperson was just wrong, in that they also stated that if you are not using your vehicle during lockdown, you should only cancel your cover if you can park your vehicle off-road. This completely overlooked the requirments of the MID, which requires motor insurance on all vehicles unless SORN in addition to no not on a road on other public place.