Uber Eats Correct Insurance

freyno

Hi All

I'm currently considering delivering food for uber eats but I'm not to sure what I need in regards to insurance. will changing my car insurance to include business cover me or do I need a specialist policy? 

Many Thanks

Penguin_

I think there are special food courier insurance policies which you have to have. 

Sandtree

First of all check with them, some of these services provide a top up insurance for the courier work whilst you are working with them.

If they don't you have two options, firstly is to buy a commercial courier policy which will cover hire for reward or alternatively there are "pay on use" type policies that add on courier cover on top of your own policy... they can be good value if you are doing it as a trial or just occasionally but are very expensive if you are doing it 5 days a week 48 weeks a year. 

daveyjp

You may need more than business cover, call your insurance company as it may come under hire and reward.

Any top up insurance is for the benefit of the delivery company, not you.

Sandtree

daveyjp said:

Any top up insurance is for the benefit of the delivery company, not you.

How do you work that out?

daveyjp

Basic research on Uber site which details what insurance you need if using a vehicle:

3. Certificate of Motor Insurance

• Must cover food delivery or hire and reward not excluding food delivery

Sandtree

daveyjp said:

Basic research on Uber site which details what insurance you need if using a vehicle:

3. Certificate of Motor Insurance

• Must cover food delivery or hire and reward not excluding food delivery

Doesnt answer the question

So Uber Eats themselves don't provide courier insurance which is fine but why do you say that if the OP buys their own top up cover that it only benefits Uber Eats?

[Deleted User]

If the OP crashes and loses £500 of food, that policy benefits Uber Eats as they don't have to pay out for the lost food of their employee

tripled

 Deleted_User said:

If the OP crashes and loses £500 of food, that policy benefits Uber Eats as they don't have to pay out for the lost food of their employee

If the OP crashes and the insurer finds out they were delivery driving without declaring it, any comprehensive claim would likely be refused, they would probably be sued by the insurer to recover any third party costs they were legally obliged to pay out, their cover would be cancelled and recorded on the insurance database, making it hard/expensive to get motor insurance in the future. £500 of food would be of little concern.

Sandtree

Deleted_User said:

If the OP crashes and loses £500 of food, that policy benefits Uber Eats as they don't have to pay out for the lost food of their employee

His insurance only pays out the £500 if he legally owes the £500 and so its still protection to him... covering the food a) is likely to be sub £100 and b) is going to be small fry in comparison to driving without valid insurance meaning no cover for his own vehicle and a right of recovery on any outlay to third parties.