Are you among those who make on-demand deliveries for uber eats Alt getting into a fatal accident might be stressful if you don’t have proper insurance.
Uber Eats provides you with insurance, but there are a few loopholes in the policy. The standard insurance also doesn’t cover you for business purposes.
So, now you must be thinking, what kind of insurance is required for such a job? This guide will explain everything about the type of the different policies available in the market.
What type of insurance is needed to drive for Uber Eats?
While signing up to be an Uber Eats driver, you must submit a few documents. This includes your driving license and personal vehicle insurance. Uber eats requires these documents to ensure authenticity before you start delivering. So, make sure you have your vehicle insured. This will only make everything accessible and straightforward, going forward.
Do Uber Eats Provide Insurance?
When you join Uber eats, you are provided with Uber Eat insurance. The insurance gives the driver coverage of at least
- 50,000 USD for the driver’s liability for bodily injury per person in case of a covered accident
- 100,000 USD per covered accident
- 25000 USD for property damage for which you are responsible in a covered accident
But it is important to note that the Uber eats policy provides coverage only when the driver is delivering orders. This is the major in Uber Eats insurance. It doesn’t cover you while waiting for a delivery or commuting to the business place. Hence, it becomes necessary to buy insurance.
Photo by Vlad Deep on
Does Standard Insurance Cover Drivers During Delivery?
When it comes to coverage during business hours, you have three options: Delivery Insurance, Rideshare Insurance, and Business Insurance.
Delivery Insurance:
You can add a delivery insurance feature to your existing standard auto insurance policy to stay covered during delivery.
Rideshare Insurance
Some companies offer Rideshare insurance endorsement that you can add to your existing insurance policy. This endorsement fills the gaps between your Uber Eats Insurance and Standard Insurance policy. You can also opt for a full rideshare insurance policy covering both personal and business policies.
Business Insurance
You can add business insurance endorsement to your auto insurance policy. It covers you when driving for business purposes, including Uber Eats deliveries. The business insurance initially was not designed for food delivery services, but today it covers you for any business vehicle application.
Apart from the above information, there might be a few more questions in your mind before you select the appropriate insurance policy. We have covered them below.
Why does Uber Eats ask for insurance information?
Uber Eats requires your insurance information to protect itself from any legal action when drivers are making deliveries. It is also an essential requirement before starting Uber Eats.
Can I do Uber Eats deliveries without insurance?
No. You need to have insurance to protect yourself from any severe consequences in case of an accident. It is illegal to drive without insurance.
Is it necessary to inform the insurance company that I drive for Uber Eats?
Yes, you need to inform the insurer. It will help the insurer to suggest you the appropriate insurance policy. As you are driving for Uber Eats, it is essential to buy commercial insurance.
Whom to report in case of an accident?
It depends on the time of the accident. If the accident happens while delivering for Uber eats, report it directly to the company. And if the accident occurs while waiting for an order, directly report to your primary insurance company.
Does working for Uber Eats increase my insurance rates?
Yes. While working for Uber Eats, you need to buy additional insurance coverage. This increases your premium by 15% to 20% in the case of Rideshare Insurance. And, it is even higher for other Business Insurance.
Conclusion
We have provided you with a comprehensive guide to help you buy relevant insurance. Before starting as an Uber Eats delivery driver, check your insurance policy properly. And get your doubts clarified by the insurer to keep you legally protected in case of any significant accident. Such a move will allow you to be prepared beforehand
