Insurance for fast food delivery

Mr Simpson

Does anybody know of an Insurance company that offers insurance to cover delivery of Pizzas or other fast food, it's bloody impossible to find!!!

fasttalkerchat

I think you need the business purpose add on. Its free with most insurance but you have to ring and ask for it. Better to ring an insurer and check if it covers that.

Mr Simpson

Yeah, no insurer seems to cover food delivery. So far I've tried Aviva, Axa, Liberty, 123.ie, Sheridan Insurance, Bestquote.ie, and a few others. I'm assuming most delivery drivers just drive around uninsured at this stage :mad:

john kinsella

You need class two business use. If you already have a policy just phone your insurer and ask for Class 2 use. It is a very common add on to all polices. I have it myself and not much of a premium hike (about €30 extra)


Definition: This class of use covers social, domestic & pleasure use, and use in the connection with the business of the insured

Mr Simpson

I don't think Class 2 covers carriage of someone elses goods ie. Pizza, that seems to be the problem.

fasttalkerchat

john kinsella wrote: »

You need class two business use. If you already have a policy just phone your insurer and ask for Class 2 use. It is a very common add on to all polices. I have it myself and not much of a premium hike (about €30 extra)


Definition: This class of use covers social, domestic & pleasure use, and use in the connection with the business of the insured

Sounds like what I was talking about. Just be careful that the terms and conditions don't exclude courier and food delivery.

john kinsella

Go for class 3 then in that case

Business use: Class 3
This will provide business cover for the transportation of light goods (e.g. meal or flower delivery), and some selling purposes (such as door-to-door sales).

keithclancy

Christ almighty, Insurance upgrade to look after a few pizzas. :D:D

Mr Simpson

Yeah, tbh I'd rather be safe than sorry. If my insurer was to discover I was doing food delivery they will void my insurance, not something I really wan't to risk.

john kinsella

Yeah, you are right unfortunately. Better of getting it done to be safe. You will have made up the difference within a few days of tips no doubt.

Once you pay the income tax 'twill be hardly worth your while :pac:

Mr Simpson

So after ringing round a few more insurance companies, they will offer Class 2 & 3 business insurance but they won't cover people with food delivery as an occupation!!!! :mad:

Mr Simpson

RoverJames wrote: »

Once you pay the income tax 'twill be hardly worth your while :pac:

Yeah......income tax....:D:pac:

fasttalkerchat

TBH some people wouldn't bother with anyting extra. If you crash on the way to a delivery address you could in theory tell the guards that you were taking some pizzas round to a mates house.

I know that <largest pizza company> drivers dont have anything extra apart from their own personal insurance.

Mr Simpson

fasttalkerchat wrote: »

TBH some people wouldn't bother with anyting extra. If you crash on the way to a delivery address you could in theory tell the guards that you were taking some pizzas round to a mates house.

I know that <largest pizza company> drivers dont have anything extra apart from their own personal insurance.

Yep, lets just say I've been offered a job with <second largest pizza company> and when I asked about insurance, I was just told to not shout out the window that I was delivering food. Dunno how I would explain the pizzas and the company jacket if I was pulled over though.

fasttalkerchat

mmcn90 wrote: »

Yep, lets just say I've been offered a job with <second largest pizza company> and when I asked about insurance, I was just told to not shout out the window that I was delivering food. Dunno how I would explain the pizzas and the company jacket if I was pulled over though.

TBH the money isnt great from pizza delivery so if you want to get special insurance it may not be worth while. Especially with fuel prices.

Mr Simpson

fasttalkerchat wrote: »

TBH the money isnt great from pizza delivery so if you want to get special insurance it may not be worth while. Especially with fuel prices.

I've a few friends who work for them, its a small delivery area and a very busy store, so the money is actually pretty decent, I'd only be working weekends and it'd be working out a hell of a lot more than minimum wage, even when you include fuel costs, and if the extra cost on insurance wasn't that prohibitive.

ShadowHearth

Van and can insurance? I talked to pizza delivery fella and he told that he got a van to do keep on working

fasttalkerchat

mmcn90 wrote: »

I've a few friends who work for them, its a small delivery area and a very busy store, so the money is actually pretty decent, I'd only be working weekends and it'd be working out a hell of a lot more than minimum wage, even when you include fuel costs, and if the extra cost on insurance wasn't that prohibitive.

I assumed it was a set wage with a small expenses allowance... much better than the job I enquired about!

paddyk

Driving for hire or reward. I wonder is a PSV license required?

Mr Simpson

ShadowHearth wrote: »

Van and can insurance? I talked to pizza delivery fella and he told that he got a van to do keep on working

Van Insurance doesn't cover carrying other peoples goods, I tried that

fasttalkerchat wrote: »

I assumed it was a set wage with a small expenses allowance... much better than the job I enquired about!

Yep about €6 p/h plus extra per delivery

paddyk wrote: »

Driving for hire or reward. I wonder is a PSV license required?

Nope, PSV covers Public Service Vehicles only, not delivery vehicles

taintabird

mmcn90 wrote: »

Yeah, tbh I'd rather be safe than sorry. If my insurer was to discover I was doing food delivery they will void my insurance, not something I really wan't to risk.

And you are right because if you have an accident while delivering pizza's you aren't insured unless you have specified the correct cover

Mr Simpson

taintabird wrote: »

And you are right because if you have an accident while delivering pizza's you aren't insured unless you have specified the correct cover

Yep, thats exactly my dilemma, tbh I think I'm just gonna say no to the job, it's not worth the hassle. Gotta love Ireland, where they make it as hard as possible for you to work!!!

ChippingSodbury

I have Class III policy with KennCo through Chill.ie for the last 8 months
I am self employed and it turned out to be way cheaper than I had been paying for normal domestic + incidental use for business through another broker on a group scheme. My premium is around €400 mark.

Theta

AFAIK you are still covered but the merchandise you are carrying isnt covered by your policy.

rotinaj

The trick a lot of places use is to get the driver to pay for the pizza(at a reduced rate) he then becomes the owner of said food. He delivers it to the house and sells it on to the costumer.

paddyk

paddyk wrote: »

Driving for hire or reward. I wonder is a PSV license required?

No passengers

Mr Simpson

ChippingSodbury wrote: »

I have Class III policy with KennCo through Chill.ie for the last 8 months
I am self employed and it turned out to be way cheaper than I had been paying for normal domestic + incidental use for business through another broker on a group scheme. My premium is around €400 mark.

The insurance company won't cover me for that unfortunately, I tried them already

Theta wrote: »

AFAIK you are still covered but the merchandise you are carrying isnt covered by your policy.

Not according to every insurance company I've talked to, If your carrying other peoples goods for delivery, they won't cover it

rotinaj wrote: »

The trick a lot of places use is to get the driver to pay for the pizza(at a reduced rate) he then becomes the owner of said food. He delivers it to the house and sells it on to the costumer.

That's quite clever, but unfortunately, the company that offered me the job don't do that, they just expect you to drive around uninsured.

MugMugs

rotinaj wrote: »

The trick a lot of places use is to get the driver to pay for the pizza(at a reduced rate) he then becomes the owner of said food. He delivers it to the house and sells it on to the costumer.

So he's still delivering the item for reward. I'd hang you out to dry for trying to be clever if you were unfortunate enough for your claim to land on my desk.

allen175

I have been doing pizza delivery for the last 3 years (while in college, not my career) and i just have basic personal insurance, i have had absolutely no problems out on the road, i have gone through numerous checkpoints and i have gotten no greif over it, they even asked me one night what i was doing and i told them i was delivering pizza's and he laughed said he could smell them and then let me on my way. Most Guards will ask you do you have the propper insurance and give you abit of stick about it, but alot of them don't really care.

Over those 3 years i have worked there i have only known about 5 drivers to have been in an accident while working and nothing happened over it.

In my place in the coming weeks the boss is introducing a commercial policy for the shop, so if we are involved in an accident we will be covered under the shops insurance.

So really if you need the money take the job, it is good money for what it is, don't worry about insurance, just make sure all the discs in the window are up to date and you should have no problems.

Mr Simpson

MugMugs wrote: »

So he's still delivering the item for reward. I'd hang you out to dry for trying to be clever if you were unfortunate enough for your claim to land on my desk.

The insurance companies I rang had no problem with me delivering goods that I owned, just goods that belonged to others

MugMugs

It's non disclosure of a material fact and the.end result is that come claim time and an on the ball insurance company can avoid your policy of insurance.

Insurance is a transfer of risk.... Why pay money to just take the risk back onto yourself again? By that logic, you'd be better off being uninsured.

allen175 wrote: »

I have been doing pizza delivery for the last 3 years (while in college, not my career) and i just have basic personal insurance, i have had absolutely no problems out on the road, i have gone through numerous checkpoints and i have gotten no greif over it, they even asked me one night what i was doing and i told them i was delivering pizza's and he laughed said he could smell them and then let me on my way. Most Guards will ask you do you have the propper insurance and give you abit of stick about it, but alot of them don't really care.

Over those 3 years i have worked there i have only known about 5 drivers to have been in an accident while working and nothing happened over it.

In my place in the coming weeks the boss is introducing a commercial policy for the shop, so if we are involved in an accident we will be covered under the shops insurance.

So really if you need the money take the job, it is good money for what it is, don't worry about insurance, just make sure all the discs in the window are up to date and you should have no problems.

steph1

I would take the job. I'm sure like most of us you are paying enough for insurance to drive in the first place.

Mr Simpson

allen175 wrote: »

I have been doing pizza delivery for the last 3 years (while in college, not my career) and i just have basic personal insurance, i have had absolutely no problems out on the road, i have gone through numerous checkpoints and i have gotten no greif over it, they even asked me one night what i was doing and i told them i was delivering pizza's and he laughed said he could smell them and then let me on my way. Most Guards will ask you do you have the propper insurance and give you abit of stick about it, but alot of them don't really care.

Over those 3 years i have worked there i have only known about 5 drivers to have been in an accident while working and nothing happened over it.

In my place in the coming weeks the boss is introducing a commercial policy for the shop, so if we are involved in an accident we will be covered under the shops insurance.

So really if you need the money take the job, it is good money for what it is, don't worry about insurance, just make sure all the discs in the window are up to date and you should have no problems.

TBH, I'm not that pushed on driving without the proper insurance, even with anecdotal evidence of people getting away with it. There is also anecdotal evidence of Gardaí having a bad day and going after an easy target. I need the money, but not enough to risk having to pay for damage or even worse, medical bills, should the insurance company feel they don't wish to pay a claim.

MugMugs

mmcn90 wrote: »

MugMugs wrote: »

So he's still delivering the item for reward. I'd hang you out to dry for trying to be clever if you were unfortunate enough for your claim to land on my desk.

The insurance companies I rang had no problem with me delivering goods that I owned, just goods that belonged to others

No disrespect to the folks you spoke too but generally the phrase is "reward for delivery or hire....." Also their word isn't worth the paper that its NOT written on.... If you catch my drift.

I've declined for less.... Just be careful.

Mr Simpson

MugMugs wrote: »

No disrespect to the folks you spoke too but generally the phrase is "reward for delivery or hire....." Also their word isn't worth the paper that its NOT written on.... If you catch my drift.

I've declined for less.... Just be careful.

Hence why I'm posting here, as well as ringing round insurance companies. I don't wan't to end up in court for no insurance or having to pay for a claim myself because the insurance company doesn't want to pay.

Mr Simpson

steph1 wrote: »

I would take the job. I'm sure like most of us you are paying enough for insurance to drive in the first place.

I pay lots for my insurance, but thats because of uninsured drivers, I don't particularly feel like being one of them.

Limbo123

If your doing take away food deliveries in a car, the car is gonna stink ! :eek:

Mr Simpson

Limbo123 wrote: »

If your doing take away food deliveries in a car, the car is gonna stink ! :eek:

Haha, I'm a smoker, so that ship has sailed

fasttalkerchat

mmcn90 wrote: »

Haha, I'm a smoker, so that ship has sailed

Off topic but... You may not be allowed to somke in your car during working hours. That's the story for taxi drivers and van drivers anyway.

Not that you would smoke with food in the car anyway.

Mr Simpson

fasttalkerchat wrote: »

Off topic but... You may not be allowed to somke in your car during working hours. That's the story for taxi drivers and van drivers anyway.

Not that you would smoke with food in the car anyway.

Yeah, I try not to smoke in my car anymore anyway tbh. Just to go even more off topic, thats also one of the most openly flouted laws around, the amount of people you see smoking in vans is ridiculous.

MugMugs

mmcn90 wrote: »

MugMugs wrote: »

No disrespect to the folks you spoke too but generally the phrase is "reward for delivery or hire....." Also their word isn't worth the paper that its NOT written on.... If you catch my drift.

I've declined for less.... Just be careful.

Hence why I'm posting here, as well as ringing round insurance companies. I don't wan't to end up in court for no insurance or having to pay for a claim myself because the insurance company doesn't want to pay.

Hey, just trying to give you some advice dude. Not making digs!

Ps - going Friday / Saturday?

Mr Simpson

MugMugs wrote: »

Hey, just trying to give you some advice dude. Not making digs!

Ps - going Friday / Saturday?

No offence taken at all, it's good to get advice from somebody with experience

and - going where?

Del2005

mmcn90 wrote: »

The insurance companies I rang had no problem with me delivering goods that I owned, just goods that belonged to others

They won't cover you in case someone claims for their Pizza if you crash, am I reading that right? Crazy if it is, computer says no.

Mr Simpson

Del2005 wrote: »

They won't cover you in case someone claims for their Pizza if you crash, am I reading that right? Crazy if it is, computer says no.

No, they won't cover you for anything if you are delivering someone else goods, I wouldn't worry too much about them covering the pizza

djimi

MugMugs wrote: »

So he's still delivering the item for reward. I'd hang you out to dry for trying to be clever if you were unfortunate enough for your claim to land on my desk.

Just out of curiosity how often have you seen a delivery driver get refused cover when they tried to claim in situations like this when they were delivering on social insurance? Im just curious to know how often it ever happens as I know plenty of guys who deliver without any special level of insurance, some of whom have been in accidents while delivering, and never once have I heard of it landing them in hot water.

Im not doubting you or suggesting that the OP drive a delivery car without the proper insurance btw...

MugMugs

djimi wrote: »

MugMugs wrote: »

So he's still delivering the item for reward. I'd hang you out to dry for trying to be clever if you were unfortunate enough for your claim to land on my desk.

Just out of curiosity how often have you seen a delivery driver get refused cover when they tried to claim in situations like this when they were delivering on social insurance? Im just curious to know how often it ever happens as I know plenty of guys who deliver without any special level of insurance, some of whom have been in accidents while delivering, and never once have I heard of it landing them in hot water.

Im not doubting you or suggesting that the OP drive a delivery car without the proper insurance btw...

Saw it once in the UK few years back. He was delivering papers to paper boys. I left claims some time back... Principle does remain the same though.... It's non disclosure. The risk of me driving to a chipper for my dinner and the risk of me driving to somebody's house from a chipper with their dinner is quite a bit different insofar as I'll be doing the latter times 25 that night. The premium should be adjusted accordingly to cater for this increased risk. Whether or not people get caught doesn't change that point.... That's just merely down to claims management....

Hope you follow me, on my phone so not as easy to get my point across.

Plug

A guy I was in FAS with used to bring a bowl and a fork with him when he was working for the Chinese:pac:

Nok1a

MugMugs wrote: »

Saw it once in the UK few years back. He was delivering papers to paper boys. I left claims some time back... Principle does remain the same though.... It's non disclosure. The risk of me driving to a chipper for my dinner and the risk of me driving to somebody's house from a chipper with their dinner is quite a bit different insofar as I'll be doing the latter times 25 that night. The premium should be adjusted accordingly to cater for this increased risk. Whether or not people get caught doesn't change that point.... That's just merely down to claims management....

Hope you follow me, on my phone so not as easy to get my point across.

So how would the claim manage to land on your desk?

Nok1a

rotinaj wrote: »

The trick a lot of places use is to get the driver to pay for the pizza(at a reduced rate) he then becomes the owner of said food. He delivers it to the house and sells it on to the costumer.

Thats a stupid ill thought out idea which will result in the employee becoming self employed

CoDy1

Unfortunately, you are, for all intents and purposes, a courier service, and 'technically' that is the insurance route you would have to go down.

Which would be a completely new and probably much more expensive policy.

Bit of a joke considering its not a massive change to the risk other than the fact the vehicle would be used a bit more at weekends.