The UK has seen an explosion in the popularity of food deliveries over the past couple of years. Responding to that demand, Uber has set up a service that caters to the late-night nibblers and those party pizza orders with Uber Eats. This has resulted in a whole new industry of Uber Eats driver Insurance is an essential part of your business. But what kind of cover do you need?
Uber Eats driver insurance requirements
To comply with Uber Eats insurance requirements, you’ll have to have your own driver insurance. The company doesn’t cover you while you’re working as it would expose them to potential liability claims. So it’s up to you to sort out your own Uber food delivery insurance.
Regular insurance isn’t enough
If you have a vehicle and you’ve taken out a standard car insurance policy, it won’t cover you for commercial use. As an Uber Eats driver, your car is essential to your business activities, so it falls into the commercial use category. That means you have to have hire & reward food delivery cover. Not only does this ensure you’re fully protected, but it keeps you on the right side of the law, too.
Are insurance companies wary of Uber Eats drivers?
Some insurance providers are reluctant to offer cover to clients who deliver Uber Eats. Driver insurance policies for food delivery workers carry a very specific set of requirements, and it’s not all just about your vehicle, either. At Park Insurance, we recommend that you consider insuring yourself for total peace of mind. An Uber food delivery insurance package should include:
- Legal cover – this provides a financial cushion if you need to employ a solicitor for claims brought against you
- Public liability insurance – this protects you from the financial impact of a personal injury claim or damage to property claim
- Business interruption cover – If you have an accident and cannot work (either through personal injury or your vehicle is off the road), business interruption cover will keep some money coming in so you can cover those everyday bills.
Am I a ‘high risk’?
According to some insurance providers, you may be considered high risk. This is because of the sheer number of miles you drive compared to domestic vehicle users and the time of day or night you’re working. The fact that you’re constantly trying to beat the clock to make sure the food is still hot when it’s delivered is also perceived as a risk. All of that could push some Uber Eats driver insurance quotes up. Other things that may affect how much you pay include your age, driving history, and experience.
Let Park Insurance help you get the right Uber food delivery insurance
At Park Insurance, we understand the challenges Uber Eats drivers face. We’re not just insurance experts – we’re experts in business, too. So our specialist teams will listen to you, find out exactly what you need, and then find you the right Uber food delivery insurance for your needs and your budget. We’ve been doing this for over 20 years, so our award-winning team know exactly how to get you the best deal. Want to know more? Complete the form below or give us a call on 0117 955 6835 today.