If you provide fast food delivery using a scooter, small car you need to inform your broker of your intentions as standard cover does not extend to business use. This special type of insurance is also referred to by some brokers as food courier insurance. If you need this type of insurance we can help you compare courier insurance costs from multiple UK brokers.
The options available to some extent depend on your mode of transport, below we have highlighted the main fast food delivery insurance options that will cover you for delivering of any type of fast food including Chinese, Indian Curry, Domino Pizza.
Do not assume that your standard car cover is sufficient to provide cover if you are using your car to provide a delivery service. The fact is that you will invalidate any cover that you may have. Separate cover is required should you wish to to provide this type of service. The first step is to contact your current broker and let them advise you of the available options for business use.
Again if you intend to use your scooter, moped or motorbike to delivery food you first need to contact your insurance provider as providing such a service would not be covered under your standard road policy. The key reason is that your intended use has changed and in addition you will be using your bike constantly and at times that are make you more susceptible to being involved in a road accident.
For the businesses that use the scooters with an engine displacement of 125 cc or less, the lowest rate on fast food delivery insurance is set
If you are using you cycle to courier goods then you will need a cycling liability policy. Many brokers can offer this service and like all other types of cover it is best to compare courier insurance before deciding on a broker. Unlike car and motorbikes it is not a legal requirement to take out additional cover to deliver pizzas or other fast foods.
The regular insurance policy each delivery driver has on their vehicle covers the medical and vehicle repair costs if the driver is involved in an accident. Hot food courier insurance covers the cost of just what is being delivered and is required if the vehicle is used by a business for deliveries along with a portion of the repair bill. This is a niche sector with Aviva and Deliveroo being amongst market leaders.
Another aspect to consider when determining if you want to cover your drivers is that most of them will be delivering multiple orders at once. There are many restaurants that send out their couriers with £200 order or more on each time. The costs significantly add up for each of losses that occurs over a year’s time.
In the modern world of instant everything this on demand economy has developed into in the UK and other locations in the world, it is a wise business decision to protect yourself with the right type of policy. It can mean the difference is staying in the black and operating or closing down due to claims that lead to loses that could have been avoided with the right level of cover in place.