Insurance, chinese takeaway deliveries

dacouch

Notmyrealname wrote: »

With most takeaway delivery drivers for chinese and such, they say you're self employed.

They have the same duty of care to self employed drivers

Indout96

Go on your insurance companies website and check, this is from Admirals site Class 1 excludes deliveries

Business use - class 1

If you're using your car as part of your job, to drive to other sites as well as your usual place of work, this counts as Business use - class 1.
It doesn't include commercial use (such as deliveries) or door-to-door selling.
Usually your spouse will also be covered for Business use - class 1, but no other named driver. Best to check when you get your quote.
Business use - class 2

This is much the same as class 1, but it generally covers you (the policyholder) and a named driver, in connection with your business. However, different underwriters have their own rules about what it covers, so again, check when you get a quote.
Business use - class 3

This is the one you need if you are racking up the miles - like salesmen who may also be carrying samples.
Commercial

Anything else is likely to need Commercial insurance. That includes using your car as a taxi or minicab or driving a limo, or using your car to give paid driving lessons.
Of course, if you're driving a van and using it for business, you need Admiral Van Insurance. Job done!

Lum

I was always under the impression that driving without the correct level of insurance cover was pretty much standard practice in the local independent takeaway delivery industry.

It's only really the big chains like Dominos and Perfect Pizza that do things properly, providing their own branded cars to employees for this purpose.

The wages are often so crap that you wouldn't even break even paying for proper insurance. Also need to consider the wear and tear aspect of doing lots of short trips, increased tyre wear, fuel usage that will be way less efficient than your usual MPG etc.

Notmyrealname

dacouch wrote: »

They have the same duty of care to self employed drivers

No they don't. They have absolutely no duty of care to the self employed.

Thats like suggesting that Tesco is responsible for ensuring Stobart runs their vehicles legally.

worried_jim

Lum wrote: »

I was always under the impression that driving without the correct level of insurance cover was pretty much standard practice in the local independent takeaway delivery industry.

It's only really the big chains like Dominos and Perfect Pizza that do things properly, providing their own branded cars to employees for this purpose.

The wages are often so crap that you wouldn't even break even paying for proper insurance. Also need to consider the wear and tear aspect of doing lots of short trips, increased tyre wear, fuel usage that will be way less efficient than your usual MPG etc.

Pretty accurate.

mikey72

Notmyrealname wrote: »

No they don't. They have absolutely no duty of care to the self employed.

Thats like suggesting that Tesco is responsible for ensuring Stobart runs their vehicles legally.

No, that's like saying tesco use a large recognised and established company.

[Deleted User]

dacouch wrote: »

An employer who does not exercise due care with regard to drivers (Whether using company cars or there own cars) could potentially face very severe consequences. Due car would be checking on a regular basis eg annually(And retaining a copy) of drivers licences and ideally there insurance to ensure they are qualified to drive. If this is not done and a driver who is banned has a major accident can see the management team and / or directors prosecuted with severe penalties.

Large companies tend to take this requirement seriously as they are alerted to it, smaller businesses often only take action after they have had a problem

Most takeaways can't even manage basic hygiene and food safety practices nor do they give a hoot about it. Never mind duty of care to delivery drivers.

dacouch

Notmyrealname wrote: »

No they don't. They have absolutely no duty of care to the self employed.

Thats like suggesting that Tesco is responsible for ensuring Stobart runs their vehicles legally.

Just by saying someone is self employed does not mean they are regarded under H&S law thus. There is a difference between a bona fide subcontractor eg Stobbards for Tescos and a someone who is in effect a labour only subcontractor.

"Self Employed Drivers
The Regulations do not affect self-employed drivers until March 2009; provided they fit the definition of self-employed. The detail below has been taken from the DfT website in its entirety as its content is specific and unequivocal.

The DfT define Self Employed Drivers as: - Self-employed drivers (as defined under the Regulations) are excluded from all the requirements until March 2009. However, the definition of "self-employed driver" under the Regulations has been tightly drawn. Therefore, those who might be classed as self-employed for the purpose of the Employment Rights Act 1996 or the 1998 Working Time Regulations are not necessarily classed as self-employed under these Regulations. Nor is the test, the same as applied by HM Revenue and Customs.
As a consequence, only a limited number of drivers are likely to be regarded as a "self-employed driver" for the purposes of the Regulations.
"Self-employed driver" means anyone whose main occupation is to transport passengers or goods by road for hire or reward within the meaning of Community legislation under cover of a Community licence or any other professional authorisation to carry out such transport, who is entitled to work for himself and who is not tied to an employer by an employment contract or by any other type of working hierarchical relationship, who is free to organise the relevant working activities, whose income depends directly on the profits made and who has the freedom, individually or through a co-operation between self-employed drivers, to have commercial relations with several customers" (Regulation 2 of SI 2005 No. 639).
Key considerations are that:

a self-employed driver must have an operator's licence.
the amount of control that the driver has over their work is a key point, as is their reliance on profits to provide them with an income
if the worker is restricted (either implicitly or explicitly) from working for another client/customer, then they would be covered by all the requirements of the Regulations.
in addition, most agency workers would not count as a self-employed driver because they are normally paid at a fixed rate. Once they accept a job, an agency worker is not free to organise their working activities.
For the purpose of the Regulations, drivers who are partners in a firm or who have limited liability will be treated no differently to sole traders. Providing they have an operator's licence and meet the other requirements under the Regulations, then they can class themselves as a self-employed driver.

http://www.transportsfriend.org/wtd/mobile.html

atrixblue.-MFR-.

my OH brother used to work for domino's, he used his own car, and they gave him a set amount of fuel and a set amount towards insurance costs.

my local domino's has a rascall van (shabby rusted old thing) as thier company vehicle, the other drivers all use their own cars.

Owain_Moneysaver

malkyh wrote: »

Can anyone (takeaway drivers would be an added bonus) confirm what level of insurance I would need to deliver chinese meals.

just to add, if you're responsible for collecting payment on delivery, you'll need to declare cash carrying to your insurers as well.

That won't insure the actual cash, of course - so if you're self-employed and you get mugged/robbed you'll have to make it up to the restaurant.