Car Courier Insurance

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  • Courier insurance for car
  • All modes of delivery ( car, van and bike)
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One of the fastest growing sectors of car courier insurance today is to help protect those who deliver food to their customers. What most new couriers of food do not know before taking up this profession is they will be required to have a specific type of motor insurance to be employed in this business sector. If you are self employed using your car ro provide a delivery service we can help by providing you with comparative quotes for car courier insurance. 

What is car courier insurance involving food delivery?

The legal term for car courier insurance is hire and reward cover. which means that you get paid to transport an item or items of a third party’s property to one of their paying customers. This is not a simple personal motor vehicle insurance unless specific add-ons are added or it can be commercial vehicle insurance.

To the advantage of the part time food delivery courier, this type of cover does not have to be full time and from some insurance firms just an add-on when the owner of the vehicle is making a delivery. With these firms that offer the add-on, a vehicle policy has to already be in place. The 3 options of motor vehicle insurance include Third Party, Third Party Fire and Theft and Comprehensive.

Is car courier insurance the same as a rideshare inclusion in a motor vehicle policy?

No, car courier insurance is not the same as a rideshare add-on. This includes those drivers of Uber. Unfortunately for Uber drivers, when they venture into the UberEats sector their rideshare add-on does not cover the food deliveries. If a claim is attempted it will be rejected. If you are using your car as an uber driver you will need insurance for uber drivers.

What types of vehicles does courier insurance protect?

It is true any size vehicle can have courier insurance, for the food delivery business sector, the smaller economical vehicles are the ones widely used. The types of motorised vehicles include the following;

  • Cars
  • Small Vans
  • Motorbike
  • Push Bikes

What should be included in a car courier insurance policy for full protection?

For protection of the ‘just in case’ situation, there are a few provisions that should be listed in a car courier policy.

  • Breakdown cover to help the courier get their vehicle back on the road in the smallest allotment of time. If you have more than one vehicle multi car breakdown cover is available.
  • Goods in transit cover will provide financial protection if the food is lost or damaged during the delivery process.
  • Mobile phone cover so repairs or replacement of the cell phone can occur. This is important for all couriers who get their instructions from an app like UberEats.
  • Public liability cover is protection just in case a third party files a grievance, a complaint about you or claims you have damaged their property in some fashion.

Can I use a bicycle for my food courier business?

Yes, the use of a bicycle is very common for food delivery in urban areas. The motor vehicle insurance is not necessary, but the add-on provision listed above are highly recommended and for some businesses mandatory.

To make deliveries of food a car courier insurance policy can be taken out in one of two forms. It can be a business purpose add-on to a personal vehicle insurance policy or a commercial courier policy. This financial protection is required and must be proven to work for UberEats, Just Eat, Deliveroo and other food delivery services.

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