Take Away Delivery Driver

daggy

A local tandoori is advertising for a delivery driver... it might be a good way to make some extra dosh in the lead up to xmas...

Thing is, do I need additional car insurance to do this? I thought I'd need business cover, which would obviously make the whole thing pointless.

glasgowdan

You'll find many delivery drivers don't bother with the right vehicle insurance.

Carl31

Business cover on our car is like 13 quid extra a year

Id be more worried about the tax paid on a second job and questioning how worthwhile it is

vax2002

Carl31 wrote: »

Business cover on our car is like 13 quid extra a year

Id be more worried about the tax paid on a second job and questioning how worthwhile it is

For connection with your own business.
for connection with an employers business, it is an eye watering amount, similar to taxi insurance.

daggy

So I need to add insurance to make it legal? I figured that most wouldn't bother, but if I get stopped I face a driving without insurance charge?

Plus with the additional mileage etc it's probably a negligible profit.

FATBALLZ

vax2002 wrote: »

For connection with your own business.
for connection with an employers business, it is an eye watering amount, similar to taxi insurance.

That's not true, I need business use insurance on my car (I am employed), it costs single digits extra on my car insurance bill.

Carl31

vax2002 wrote: »

For connection with your own business.
for connection with an employers business, it is an eye watering amount, similar to taxi insurance.

No, thats for my partner to work as a carer for an agency. Shes employed

BigMoneyMaker

As far as i know you do not need any extra insurance for delivery driving, i have had friends in the past that have done this to earn extra cash.

I dont know for sure, this is based solely on what they have told me.

BMM

Hammyman

daggy wrote: »

So I need to add insurance to make it legal? I figured that most wouldn't bother, but if I get stopped I face a driving without insurance charge?

Yes you will. And you will get your car seized as well.

Whilst some business insurance use is cheap (I pay nothing), business use for hire and reward is eye wateringly expensive. You are basically in the same category as a courier. BUT some places may have their own insurance which covers you in your car whilst driving for their business - certainly Halfords did when I was a mechanic there and had to go pick up parts.

As regards the tax on a second job, why do people keep posting this nonsense? You pay no more than if you earned the same time as overtime with your main employer.

Hammyman

BigMoneyMaker wrote: »

As far as i know you do not need any extra insurance for delivery driving, i have had friends in the past that have done this to earn extra cash.

I dont know for sure, this is based solely on what they have told me.

BMM

They lied to you. Ordinary car insurance is for social, domestic and commuting to a place of work.

Carl31

Hammyman wrote: »

As regards the tax on a second job, why do people keep posting this nonsense? You pay no more than if you earned the same time as overtime with your main employer.

Yes you do, but the affect of tax is lessened by personal allowance on the first job, 2nd job is subject to full tax

Some people are not aware of how the tax system works, hence can be shocked by the amount of tax paid on secondary income