Delivering without hire and reward insurance

sheramber

 Sdp insurance would cost me £450 annually

Social, Domestic, Pleasure  does not cover using your vehicle for work.  AT minimum you need to add business use but that does not cover  being paid to deliver goods. Hence you need hire and reward.

What occupation have you declared to your insurance company?

ontheroad1970

dannygn123 said:

AdrianC said:

dannygn123 said:

I don't understand why hire and reward is so expensive

Simple.

Because insurers think that you're a huge risk of costing them money in claims.~

All it would take is one insurer who didn't think that... They could charge a lot less, and take a huge market share. Quids in!
But why don't they? Simple. Because it's not just a whim that you will, it's based on sound actuarial statistics.

So, with that in mind, think about your colleagues who are driving without any valid insurance.
What are the consequences?
Well, if it's just a stop, then a prosecution for no insurance.
But if it's after a collision, then the bill for the claim on top of the prosecution.
And, of course, you'll be uninsurable afterwards.

How much is your licence worth to you?

If the right insurance makes the deliveries not financially viable, then you need to find another job.

True completely understand but if I had an accident how would it ever come to light that I was delivering if nobody asked

Do misquote Dirty Harry,

Do you feel lucky? Well, do ya?

That's a dangerous game, and remember going bankrupt will not alleviate you of a injury/death claim.  Also because so many people have gone into delivery as a job during lockdown, the police are more frequent with their stops.

daveyjp

dannygn123 said:

AdrianC said:

dannygn123 said:

I don't understand why hire and reward is so expensive

Simple.

Because insurers think that you're a huge risk of costing them money in claims.~

All it would take is one insurer who didn't think that... They could charge a lot less, and take a huge market share. Quids in!
But why don't they? Simple. Because it's not just a whim that you will, it's based on sound actuarial statistics.

So, with that in mind, think about your colleagues who are driving without any valid insurance.
What are the consequences?
Well, if it's just a stop, then a prosecution for no insurance.
But if it's after a collision, then the bill for the claim on top of the prosecution.
And, of course, you'll be uninsurable afterwards.

How much is your licence worth to you?

If the right insurance makes the deliveries not financially viable, then you need to find another job.

True completely understand but if I had an accident how would it ever come to light that I was delivering if nobody asked

Considering there will be an insurance claim it is a very high probability that people will ask questions!

My last accident was over 10 years ago.  I was hit when someone pulled out of a side junction, found to be not my fault in any way.

 As soon as I called it in I was asked where the accident happened (compare against my home address, I was 15 miles away), why I was there (it was mid week, mid afternoon and I worked full time, so check against my employment status, profession and what I was insured for as I was on business), what the mileage of the car was (to cross reference with my annual mileage estimate).

Thats in the first ten minutes of a phone call.  More questions will be asked if suspicions are raised.

A couple of years ago a friend was in Court for dangerous driving.  Whilst reversing they heard a bang on their car, got out and found someone dead by the back wheel.

Imagine defending that with no insurance company to pick up two years of barristers and solicitors bills.

k3lvc

Our local council/constabulary are getting very hot on this - a simple offence/spot check leading to confiscation of vehicle/prosecution - not sure you can afford not to have the right cover 

Manxman_in_exile

What is a "dark" warehouse, and is its darkness significant?

Dr_Crypto

It’s an unlabelled warehouse that does deliveries for app based delivery services. The customer doesn’t know where the goods are coming from and think it is a local store. 

There are also “dark kitchens” doing the same thing and undermining local restaurants and takeouts in the process. 

Lomast

The police are not stupid they regularly sit outside dark warehouses and distribution  warehouses around me and do spot checks on drivers coming  out same with take away drivers

scrappy_returns

Is it economically viable to do this job? Doesn't sound like it is. It may be more viable on the works moped

Sandtree

Dr_Crypto said:

It’s an unlabelled warehouse that does deliveries for app based delivery services. The customer doesn’t know where the goods are coming from and think it is a local store. 

There are also “dark kitchens” doing the same thing and undermining local restaurants and takeouts in the process. 

So is Deliveroo Editions a "dark kitchen"? Where Deliveroo have opened a large facility and existing restaurants etc rent a kitchen in it purely for the purposes of supplying Deliveroo? 

The term feels more like TK Maxx' type setup where fake brands are created and sold as independents... most (if not all) the Deliveroo Editions are known places.

NBLondon

Sandtree said:

Dr_Crypto said:

It’s an unlabelled warehouse that does deliveries for app based delivery services. The customer doesn’t know where the goods are coming from and think it is a local store. 

There are also “dark kitchens” doing the same thing and undermining local restaurants and takeouts in the process. 

So is Deliveroo Editions a "dark kitchen"? Where Deliveroo have opened a large facility and existing restaurants etc rent a kitchen in it purely for the purposes of supplying Deliveroo? 

The term feels more like TK Maxx' type setup where fake brands are created and sold as independents... most (if not all) the Deliveroo Editions are known places.

The Doc is right.   A dark kitchen is one that has no "shopfront" to it.  It might be supplying exactly the same dish via Deliveroo or Just Eat or a local equivalent.  There might be an existing restaurant/takeaway as well - or it may only operate there.  The dark is because the customer doesn't know it wasn't prepared in a standard restaurant/takeaway.  Not heard of Deliveroo Editions - but it's a variant.  Depends if the customer knows their dish is coming from the satellite kitchen as opposed to a local branch.  Customers may not even care.

It might well be that one catering company could set up a large dark kitchen and sell different styles under different names - just a bigger version of a takeway that sells fish and chips and kebabs and burgers.    I don't think calling them "fake" brands is justified.  Again, does the customer care?  As long as the price is right and the OP gets there promptly - maybe not....