Get Food Delivery Insurance

DoorDash requires that all Dashers maintain an up-to-date auto insurance policy. The only exception is when Dashers dash exclusively using bicycles or, in some areas, by foot. Damages sustained to your vehicle in an auto accident are your responsibility and should be addressed by your auto insurance carrier directly.

All the delivery companies require drivers to have insurance. For example, if you drive for DoorDash, the company has a free and automatic commercial auto insurance policy for up to $1 million in bodily injury and property damage. ... The policy is an excess policy, meaning your personal insurance is used first.

In the UK you need to have the right level of car insurance in order to be on the road, so yes, you will need insurance to deliver takeaway food even if it's just a pick-up for a friend.

A business car insurance policy covers vehicles that are used in regular day-to-day driving situations. ... If you deliver goods, tools or other equipment, and use the vehicle primarily for work, you'll most likely need commercial car insurance.

If you are paid to deliver food and you only have your usual standard personal car insurance, you're not covered. And if you're involved in an accident or pulled over by the police, you could land yourself in real trouble.

Hire and Reward Insurance Drivers must extend their private car insurance policies with the purchase of a hire and reward use, in a similar fashion to a taxi or courier. Hire and reward use covers a driver's liability when something is delivered from one place to another for a fee, including when delivering food.

DoorDash does provide excess auto insurance for Dashers, but this policy applies only to damages you cause to other parties (i.e. third party property damage and/or bodily injury) and only to accidents while on an active delivery (when you are in possession of goods to be delivered).

Many restaurants and delivery services ask for proof of insurance from their drivers. Unfortunately, most personal insurance policies will deny coverage for accidents that occur while a driver is working. This means that the delivery driver's policy probably won't cover your losses.

You should tell your private personal auto insurer that you are using your car for delivery and/or in the manner of a car service. You will pay a higher premium but you and your passengers will be covered.

Drivers must extend their private car insurance policies with the purchase of a hire and reward use, in a similar fashion to a taxi or courier. Hire and reward use covers a driver's liability when something is delivered from one place to another for a fee, including when delivering food.