Car insurance tips for delivery drivers

 

Car insurance is an essential requirement for anybody on the road, but there is a bit of a grey area when it comes to delivery drivers. This concerns whose responsibility it actually is to ensure that the driver is insured when they are on the road in a vehicle used for work purposes.

Many delivery drivers are young college students looking for a bit of extra cash, which means that an astronomical premium will be paid when it comes to buying young driver insurance. Some delivery drivers will no doubt assume that they will be covered by their employer because they are exactly that: their employer. They may think that all the legal requirements must be covered by the company, but it is a dangerous game to assume that such arrangements have been made.

It is certainly logical to think that a restaurant or takeaway that offers a delivery service would get car insurance quotes and insure all of the cars that deliver their food. Some companies do cover the costs of fuel, but maintain that it is your responsibility as the driver to make sure that the car you drive is insured.

The best advice for someone looking to become a delivery driver is to check as soon as possible with your potential employer about the insurance arrangements. The last thing you want is to find yourself in the sticky situation of having crashed into, say, a customer’s car outside their house without insurance on your own car. You will be expected, as the main driver of that car, to cover the costs that entail, including excess and repairs.

There are perks of being a delivery driver, like tips and extra fuel in your tank at the end of your shift, but you can also get caught out if you either don’t consider insurance or simply assume that it is down to the company you work for to sort it out. Check before you take the job: it’s better to be safe than sorry.