A recent study has shown just how much the fast food industry is growing; so many people are now eating fast food that the industry is growing ten times faster than the restaurant industry. With busy lifestyles and the neon signs of at least one takeaway glowing in the middle of every row of shops, people are opting to stay at home and order food to be delivered instead of going out for a sit-down meal with friends or family.
In turn this has created more jobs for fast food delivery drivers, with now more than ever rushing around our roads delivering food to hungry customers waiting for their hot meal to arrive. The niche market for fast food delivery insurance has benefited as more and more delivery drivers are searching for insurance quotes to cover them whilst working.
In most cases delivering fast food for one takeaway can’t offer enough hours to act as a full time job, so the majority of delivery drivers are people that are working around other commitments such as studies, family life or another job. Delivering takeaways is a great way to supplement your income as a second job and is also a great way to earn some cash if you’re unable to commit to working full time.
For any job that requires you to use your own vehicle for business purposes, it’s extremely important that you check that you are covered to do so by your insurance policy. If your personal insurance policy does not cover you for business use then you will be operating illegally and could find yourself in a lot of trouble if you are stopped by the police and even more so if you are ever involved in an accident. The consequences for driving without adequate insurance are serious; you could be fined, receive penalty points on your license, lose your job and even have your vehicle confiscated.
Most car insurance policies aren’t designed to cover fast food delivery drivers because delivering hot food is considered a type of hire and reward business use and unfortunately there aren’t many insurers that can provide quotations. Underwriters consider delivery drivers higher risk and assume that they are more likely to be involved in a collision because of the nature of their job. This is simply because takeaway delivery drivers are under constant pressure to meet agreed time slots and arrive at the customer’s home whilst their food is still hot and fresh.
There are certain specialist insurance providers that can source fast food delivery insurance, though; although it can often come with a higher premium to cover the additional risk factors. Fast food delivery driver insurance will cover you to use your vehicle for personal use as a normal policy would but also has added features to cover your business use when delivering takeaways.
Although higher risk insurance products such as hot food delivery insurance cost slightly more, affordable cover can be found by comparing prices from reputable sources and haggling with providers. Unfortunately, insurance is an unavoidable cost and one that needs to be taken in to consideration if you’re thinking about becoming a delivery driver. Being covered by the right type of insurance will allow you to deliver hot food in your vehicle knowing that you’re operating within the law.