'Food Delivery' driver insurance

Spunj

I was talking about this with a friend of mine earlier and neither of us could remember just how the law stands on people who deliver food from Takeaways in their own cars or bikes, while not declaring to their insurance company that the 'Social and Domestic use only' clause in their contract has been overstepped.

Several years ago I knew a guy who delivered for a Chinese Takeaway. He had some sort of accident and I recall him telling me that he dumped the food somewhere before the Guards arrived. At the time he said it was a very grey area as the Guards never stop delivery drivers to ask if they have insurance for delivering goods, but still he was afraid to be caught with the goods after his accident.

Does anyone know about this or indeed do any of you actually do this kind of driving?

- Spunj

Stephen

I'm not sure, but I think its ok legally, but your insurance company may not pay out if you had an accident.

Afaik you'd probably pay a higher premium if you answered yes to that question. Again, I'm not sure about this.

NeRb666

Yeah he wasn't doing anything illegal, but the Gardai probably would've made a note of the fact that he was delivering food, and he would've got buggered by the insurance company.

All the cops need to know is whether or not he was insured.

BeatTun

Its not a grey area at all really

if you check your policy for "use for hire or reward"

depends how technical the insurance company get, but if the cops made a note of it then they probably wouldnt pay out unless u had hire or reward insurance in your clause.

w a n k e r s

Victor

Originally posted by BeatTun
depends how technical the insurance company get, but if the cops made a note of it then they probably wouldnt pay out unless u had hire or reward insurance in your clause.

The law is technical, as are insurance contracts, the insurance company will have very little sympathy, e.g. they may (but I wonder) stand over the third party part, but claim "uberimae fidae" (utmost good faith) on the rest.