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What is Just Eat insurance for courier food delivery drivers?
Food delivery has now been rapidly expanding all over the world for a few years, and the United Kingdom is no different. The demand is likely to keep going up. And because food delivery services are so trendy, a lot of people want to become food delivery drivers.
Just Eat works a little bit differently than a lot of the other companies in the market. Sadly, Just Eat won’t take care of arranging insurance for you if you want to become a courier for the company.
But even though it costs more to be a Just Eat courier, don’t let that stop you.
What kind of insurance do Just Eat drivers need?
Just Eat does not offer insurance to its drivers since around August 2020. Therefore, before hitting the roads to make deliveries with Just Eat, you must take all necessary precautions to secure your safety.
This is a case that is truly different to Just Eat in the United Kingdom. Companies such as Deliveroo, Uber Eats, and Amazon all offer some amount of insurance for their drivers when they are making deliveries, so think about the extra cost of insurance before you sign up to work for them. However, the insurance process for Just Eat food delivery drivers is straightforward and can be finished in a matter of hours.
What insurance plans do I require?
When making deliveries with Just Eat, you have two choices for protecting your vehicle: You have the option of either a) purchasing a new policy (which will normally cover both your business and personal driving) or b) purchasing additional coverage (which will operate in addition to your current personal vehicle insurance) to protect your delivery driving.
In either case, the insurance you need to drive for delivery is a type of “hire and reward” insurance. Both choices come with their own set of perks and downsides, which we’ll discuss below.
Commercial/Hire & Reward Insurance
Commercial insurance, which covers your automobile or motorcycle while it’s being used for work or business, is needed by law. Also, drivers who make deliveries must have a special kind of commercial insurance known as “hire and reward insurance“.
No matter how many times or where you have to travel for work, your commercial insurance policy will have you covered (best for delivery drivers). Generally speaking, delivery drivers shouldn’t get the minimum coverage when it comes to commercial car insurance.
The drivers for Just Eat are not required to have Goods in Transit insurance. This makes sense, considering the cheap value of the food items a driver is delivering. Goods-in-transit insurance may be worthwhile to consider if you plan on delivering packages for many firms.
Public liability insurance
Delivery drivers often interact with the public, so there is always a chance that they will hurt someone or damage something. Public liability insurance is a good way to protect against the high cost of compensation claims, which can arise even from very small accidents.
It’s important to note that Just Eat drivers in the UK don’t get any kind of insurance in the event of an accident or injury. As a result, if you have an injury and are unable to work, you may see a significant decrease in your income. Injury and accident insurance will assist you in minimizing some of the risks that come with being a delivery driver.
Just Eat Courier Insurance: How much coverage do I get?
Like basic car insurance, Just Eat car insurance policies will protect a variety of things, such as:
It tends to cover any damage or injuries that an accident causes to another individual or their vehicle.
Third-party, fire, and theft insurance:
It covers the same things as third-party insurance, but it also includes your car if it is stolen or destroyed by fire.
Provides the same coverage as above, but also covers injury to you or damage to your car, regardless of fault.
Every hire-and-reward insurance plan must include at least Class III coverage, allowing you to drive your vehicle for business reasons. Delivering products is not covered by Class 1 commercial insurance.
Cost of Just Eat insurance
Like standard auto insurance, the amount you pay varies depending on a variety of factors, including risk and statistics.
- The automobile you drive: Choosing a less powerful and cheaper car will normally result in a lower premium since these vehicles are both less expensive to maintain and less likely to be stolen.
- Where you reside: Living in a populated and high-traffic region makes it more likely that a claim will be made, so quotes are usually more expensive if you live in a city.
- Your age: Usually, the highest premiums are for people between the ages of 17 and 24.
- Your driving history: If you have been sued or fined before, you can expect to spend extra.
Should I get Just Eat delivery insurance if I already have vehicle insurance?
Even if you currently have car insurance, you will still require food delivery insurance since most regular policies only cover driving for:
- Social, domestic, and recreational concerns
- Travelling to your
These regulations aren’t designed for those who make many stops while delivering food for the money. In fact, if you drive without the right Just Eat insurance, it can make your regular vehicle insurance policy null and void, as you would be breaking the rules of that policy.