Many delivery drivers aren’t aware that they can’t just jump in their car and start using it to deliver pizzas or curries. It’s a mistake that could cost them their job, hundreds of pounds in fines and even their driver’s licence. Standard car insurance does NOT cover you for delivering fast food…even if you have ‘business use’ added to your policy. If it becomes known to the authorities that you are operating without the correct type of insurance for delivering hot food, you will be penalised for driving without valid insurance.
Fortunately though there are a number of specialist insurance providers who can help you navigate this tricky area. To be properly covered and work within the law, you will need to ensure that you have fast food delivery driver insurance. Hot food delivery insurance is a special form of hire and reward insurance. Hire and reward simply means delivering a passenger or somebody’s goods from A to B in exchange for payment.
Using a broker that specialises in hire and reward insurance policies will definitely help to keep the cost of your cover down, whilst at the same time ensuring that you stay legal.