Car insurance to cover 'gig economy' work - courier, takeaway delivery, etc. - Broker?

donkeyk22

As above, me and my partner are looking to do some Amazon Flex work (amongst other similar things, potentially) and am looking at options when it comes to insurance.
My current insurer only offers 'business use' which I understand is NOT sufficient for this type of use, and that I need at least 'Commercial Travelling.'
This is where the questions start -

• Actually trying to find insurers that offer Commercial Travelling on a car appears to be difficult - are there any comparison websites which search specifically for this?
• Is commercial travelling enough? I've looked on Aviva and noticed that couriering was excepted from their commercial cover and that you needed to ring them to discuss this type of cover (and presumably costs more...)
• When doing some googling it seems that I'd also need goods in transit insurance - can this be obtained separately?

As part of the research when googling, I notice that there are a lot of brokers in this field, which given the relatively bespoke nature of what we're looking for, might not be a bad option to use. Therefore I ask - has anybody obtained this sort of insurance before (either direct or via a broker) and who might be good to use?
I understand 'proper' cover isn't cheap so want to have an idea before we consider the idea any further.

Sandtree

As a delivery driver you will need commercial insurance rather than business (the later covers you for moving between places of business whereas the former covers when the act of moving is the business).

This is traditionally in the broker space and it is worth talking to a couple anyway as not everyone has the same panel of insurers/products on offer. There are also one or two "insurTech" companies that offer motor insurance for couriers either on a monthly or hourly basis - I would have thought that if you are doing this 24/7/365 they are much more expensive but if its part time or you just want to see how it works for you then it may be helpful rather than committing to a 12 month contract.

donkeyk22

Thanks for the response.
Agreed, Commercial is the only real way to go.
Are there any good brokers with a decent reputation I can look to contact? I've no previous experience in this field so any help would be appreciated.
I'm not sure how helpful the insurtechs will be helpful if Zego is anything to go by - they're only interested in insuring the registered keeper (which is me - my wife would be be doing it mostly) and no named drivers.

Sandtree

As I work in the industry I generally don't recommend companies due to potential conflicts of interest plus I am mainly on the insurer side so don't personally get too involved with brokers.

Having to buy my own business insurance I find its almost individual people that are good/bad rather than firms as I've had a great experience one year, gone back the next and dealt with a different person who was terrible (generally "computer says no" types or ones who didn't get the challenge that my insurance posses and comes back with a silly price after vast amount of time answering unanswerable questions)

In part, hence try a few, in addition to the other comment about different brokers accessing different products/carriers