[Finance] Are Deliveroo drivers insured ?

vegster said:

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.

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WATFORD zero said:

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 ?

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Is it PotG? said:

Ask them.

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WATFORD zero said:

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 ?

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vegster said:

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.

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Guinness Boy said:

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.

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dazzer6666 said:

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.

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vegster said:

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.

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PILTDOWN MAN said:

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.

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vegster said:

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!

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Superphil said:

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.

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vegster said:

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.

.

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