Skip to main content

Car Insurance for delivery drivers: What you need to know

A young, Caucasian food delivery driver in a car with insurance for uber eats

The COVID-19 pandemic has changed the restaurant business, as most places have shut their doors to diners and switched to curbside service and delivery. This has opened the door for more people to become delivery drivers during the pandemic. If you’re currently working as a delivery driver, you need to make sure you have the proper insurance coverage. Learn about car insurance for delivery drivers, so you will be protected when on the job. 

Car Insurance for Delivery Drivers – Coverage Options

If you use a personal vehicle to deliver food or groceries, you’re likely not covered under your personal insurance policy. That means if you are an Uber Eats driver, use your car for a grocery delivery service, or to deliver pizza, you will be responsible for damages if you only have personal automobile insurance. Fortunately, you have some options to get covered. Let’s go over the options for car insurance for delivery drivers. 

First, if you work for a major chain, check your employment contract. It might provide hired and non-owned vehicle liability insurance. This will cover you if you get in an accident while on the clock. Best of all, your employer will pay for it, so you won’t have to worry about purchasing a commercial vehicle insurance policy. 

If you work for an on-demand delivery platform, you might be covered by the company. For instance, if you are an Uber Eats driver, you might be eligible for protection under the company’s insurance policy for delivery partners. 

food delivery driver unloading groceries with car insurance

However, if you are looking for Post Mates insurance, you should know that the company does not provide coverage for its drivers. Instead, it expects drivers to maintain their own policies. Since every company has different guidelines, check carefully before moving forward.

Your third option is the most common. You can get commercial insurance to protect you when you drive your vehicle to deliver food. While this policy might cost more, it can save you money in the long run if you’re in an accident. A commercial policy should cover property damage and physical injuries. You’ll need to carry more coverage than you do with your personal coverage. 

Commercial Vs. Personal Auto Insurance: How Do They Differ? 

If you were to examine car insurance for delivery drivers versus personal auto insurance, you could see lots of differences. However, the most significant one is simple. It comes down to the purpose and extent of the coverage. Mainly, you will get more bang for your buck with commercial car insurance, such as non-owned vehicle coverage and trailer interchange insurance. Also, since you will carry more coverage, it will provide more protection. 

Make Sure You’re Covered

Commercial auto insurance is your line of defense if you have an accident. Without it, you could get stuck with expensive bills. It is always best to avoid a huge bill when you’re trying to make a living working at a food delivery service, so make sure you are covered.

During these difficult times, Freeway Insurance remains open and ready to help with all your insurance needs. Start your free commercial auto insurance quote online or over the phone today and get the protection you need.

Ready to Get a Quick Quote?