Does Admiral provide food delivery insurance?
In this guide we explain how you can upgrade your admiral car or van cover to include food delivery insurance.
Last Updated by Eamonn Turley May 20,2021
At this moment in time Admiral are one of the few brokers that do not provide food courier insurance or hire and reward insurance. However, they do allow you to extend your policy cover by the purchase of a top up cover from other brokers that will provide the required cover. The top-up is in addition to your standard car or van insurance.
Does Admiral offer hire and reward insurance for delivery drivers?
If you hold an admiral car policy you are not covered for delivery of goods for reward. You will need additional hire and reward insurance, which you can purchase as an addendum to your current Admiral car policy. Admiral must be notified of your intention and give consent. With the current lockdown there is a surge in demand for delivery drivers, but you need extra insurance to provide this service. Providing a delivery service under a standard social, domestic & pleasure or business use policy will invalidate any cover that you have.
The good news is that the top up delivery insurance is available with a select few UK brokers, Zego being the current leader in the marketplace. If your cover is not with Admiral you will need to contact your policy provider and ask if taking out top delivery driver insurance will not invalidate your current cover. Many providers do not accept top up cover and as previously stated may well invalidate your existing cover.
Who offers top up insurance delivery insurance?
Top up insurance or pay as you go H&R cover is not yet a mainstream product. If you check out Reddit or other forums, ZEGO is the most talked about and seems to be the most popular option. For part-time delivery drivers that already have social or business car insurance, but also wish to work part-time delivery goods for reward, they can (if their current policyholder permits) buy Zego PAYG top-up H&R insurance. This will cover them when they are providing a delivery service, the original policy covering them for social and domestic and pleasure use SD&P.
The most important point to takeaway is that to make use of ZEGO or other providers of top up insurance it is vital that you get permission from your current policyholder provider.
Whilst Admiral may give you the green light today, that may change in the future. Play it safe and first contact your policyholder explain your requirements and get written consent to proceed. This approach is more cost-effective than changing an existing policy to be full time hire and reward, but keep in mind if your business takes off this would be the best long term solution.