Do Delivery Drivers Need Special Insurance? The Answer is Yes.

The first thing you need to know about food delivery is that your personal auto insurance policy will not cover you while you’re working. Delivery drivers should look for personal auto insurance coverage to protect themselves on the road. This includes teenagers and other delivery drivers that may be on your policy. 

Depending on how frequently you drive your car for deliveries, your personal auto insurance probably won’t be sufficient. Personal coverage just covers social use and basic commuting and will not extend coverage for business use.

Why Personal Auto Insurance Does not cover Delivery Drivers

If you’re using your own car to deliver food, you’re probably not covered under your personal auto insurance policy.

Driving your vehicle requires some questions from your insurance company and prospective employers. Most insurance companies won’t cover delivery drivers under a personal insurance policy because of the dramatically increased risks.

Many drivers don’t realize that their existing auto insurance may not cover them in an accident if they use their personal car for side hustle deliveries. That’s often the case, even with a full coverage policy in effect. That could mean you’re on the hook for thousands (or even tens of thousands) of dollars in damages if you’re in an accident, putting your family’s assets at serious risk.

Some companies may provide temporary insurance coverage for drivers while actively on a delivery. However, you’ll want to read the fine print to understand when you’re covered and coverage limitations. Then, you’ll need to ensure that your personal policy covers you the rest of the time.

Always check with your Gilbert’s Risk Solutions risk advisor before using your car for deliveries to ensure you have coverage or get the right policy.

Talk to us about your Personal Auto Insurance, or the coverage could be costly!

To find out more about Personal Auto Insurance. Contact one of our talented Risk Advisors today!


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