[Finance] Are Deliveroo drivers insured ?

[studio150]

Thanks. Seems pretty comprehensive


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

I see you have the same attention to detail as Boris Johnson, given the detail at the foot of the text which states that if using their own bikes or cars, the delivery drivers need to purchase their own insurance.

None of the cover provided in the text covers compulsory third party liabilities as required by the Road Traffic Act.

Unless the delivery drivers have informed their insurers that they are using their vehicles for hire or reward, then they will be uninsured when using their vehicles when working for Deliveroo on deliveries.

 

[Harry Wilson's tackle]

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.

Indeed. Insurance isn't valid only if you violate its terms or do something illegal. As we all know it has never been illegal to drive about, even if some police forces or councils have taken it upon themselves to block entry into areas. As we know, most of the fat idiot's edicts have been jolly well strong advice that we, er really. Want. You to take. Seriously. Use. Common sense and. We can all stay safe.

 

[WATFORD zero]

I see you have the same attention to detail as Boris Johnson, given the detail at the foot of the text which states that if using their own bikes or cars, the delivery drivers need to purchase their own insurance.

None of the cover provided in the text covers compulsory third party liabilities as required by the Road Traffic Act.

Unless the delivery drivers have informed their insurers that they are using their vehicles for hire or reward, then they will be uninsured when using their vehicles when working for Deliveroo on deliveries.

I had no idea which was why I asked the question. So does that mean that we DO have 10's of thousands of uninsured drivers/riders on the road, or do we still not know ?

 

[The Lemming Stomper]

.

Most use Zego...Around 80p/hour on top of regular insurance...

Kicks in when you log in to the delivery companies app

 

[The Fifth Column]

Regardless of insurance a lot of them are Brazilians working here illegally and claiming to be Portuguese.

 

[Herr Tubthumper]

Regardless of insurance a lot of them are Brazilians working here illegally and claiming to be Portuguese.

I presume they have to provide ID when starting the job? Doesn’t the Brazilian passport give the game away?

 

[Chicken Run]

I presume they have to provide ID when starting the job? Doesn’t the Brazilian passport give the game away?

They have to provide documentation proving they are able to work legally in the UK, insurance including for work, documents along with a raft of other details, can take a couple of weeks to process.

The only issues I’ve heard of is other people setting up the driver account and several people then using the log in.

 

[Shropshire Seagull]

I've had bog standard SDP [social / domestic / pleasure] insurance all my driving life [since 1976] but when I started IT contracting about 15 years ago my accountant recommended I ask my insurers to include "business" to SDP as I would be claiming business mileage and so need to be covered for business activity.

When I first asked to have this added to my policy I was expecting a premium jump - I was asked what my business was - and once confirmed that I wasn't transporting people [or gold/diamonds or any other potentially high risk / value business] they added it to my policy with nil additional premium.

I have no idea if a Deliveroo driver would be classed in the same way by the insuring underwriters - can't see why the work they do is high risk - maybe high mileage [being busy] has an impact?
Perhaps they have to drive fast to ensure food arrives hot?

 

[The Fifth Column]

I presume they have to provide ID when starting the job? Doesn’t the Brazilian passport give the game away?

You don't have to provide a passport to get a job in the UK, Deliveroo don't give a toss who works for them and their checks are sketchy at best, it's a common practice for legal workers to let illegals work on their behalf for a fee, seen the same with some unscrupulous taxi license holders. It's very easy for Brazilians to obtain good quality fake Portuguese ID that would fool most ordinary people.

 

[Herr Tubthumper]

You don't have to provide a passport to get a job in the UK, Deliveroo don't give a toss who works for them and their checks are sketchy at best, it's a common practice for legal workers to let illegals work on their behalf for a fee, seen the same with some unscrupulous taxi license holders. It's very easy for Brazilians to obtain good quality fake Portuguese ID that would fool most ordinary people.

And no doubt all jobs are cash in hand so NI number isn’t needed?

 

[PeterOut]

You don't have to provide a passport to get a job in the UK, Deliveroo don't give a toss who works for them and their checks are sketchy at best, it's a common practice for legal workers to let illegals work on their behalf for a fee, seen the same with some unscrupulous taxi license holders. It's very easy for Brazilians to obtain good quality fake Portuguese ID that would fool most ordinary people.

You are aware of the checks that all employers have to undertake for all of their workers, whether they speak Portugese, English or amy other language, I presume?
https://www.gov.uk/government/publications/right-to-work-checks-employers-guide

Or is this just another Bear Pit conversation?

 

[beorhthelm]

You don't have to provide a passport to get a job in the UK, Deliveroo don't give a toss who works for them and their checks are sketchy at best, it's a common practice for legal workers to let illegals work on their behalf for a fee, seen the same with some unscrupulous taxi license holders. It's very easy for Brazilians to obtain good quality fake Portuguese ID that would fool most ordinary people.

there's pretty heavy fines for companies employing people without the checks and evidence they've done them. problem as you highlight is those that skirt around, not sure what an employer like Deliveroo can do about it, where employee isnt on a premise.

 

[Paulie Gualtieri]

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 ?

You need business insurance to deliver food / parcels.

You need hire and reward insurance to drive people about professionally


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[Paulie Gualtieri]

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.

They are meant to enforce at on boarding and through out, but they don’t.

It’s why some many drivers of the Prius abscond from crashes in London


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[doogie004]

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.

You are correct re license authority
My car and minibus are about £1200 each a year


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[drew]

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!

Not sure that is entirely true now. Yes, if you've lied about something on your proposal form that would affect any underwriting decision to accept the policy or price (eg. saying you're the main driver of your son's car) but I think the ombudsman is pretty much of the opinion that insurers can only void a claim if the condition/exclusion is relevant to the incident.