How do I get covered for delivering food?
There are several ways of doing this and the cheapest way (for the driver, at least) is to work for a company which provides it automatically. Dominoes Pizzas are said to provide insurance to cover all of the staff who deliver food, but they are the exception, not the rule.
The vast majority of people who are delivering food direct to the consumer have to provide their own insurance and it can be arranged in the following ways:
Ask your existing insurer
If you already have an insurance policy for your vehicle, try asking your current insurer if they will extend the policy to cover food deliveries. Be prepared for a refusal however; the vast majority of vehicle insurers prefer to just cover the usual social domestic and pleasure risks, and commuting to one single place of employment.
Get a 'top-up' policy
It is possible to buy a top up policy which covers you only for the time when you are delivering food. This is a policy that you have as well as a standard social domestic and pleasure policy. You have to be very careful about policies like this however, because your existing insurance company may take a very dim view of you taking out your standard insurance with them, but having extra risks which are covered by another company. There may well be a clause in your insurance policy which prohibits you from doing this. It is therefore absolutely essential that if you do consider a top up policy, you first of all inform your existing insurer and ask if they have any objection to this.
If you do not do this it is entirely possible that even if you had an accident whilst you were not out delivering, your insurer could declare your policy null and void. This could leave you open to not only prosecution for driving without insurance (and subsequent seizing and impoundment of your car by the police) but also with substantial costs to pay if you were held responsible for an accident.
Get a new policy entirely
The ultimate, but possibly safest, way to get cover would be to scrap any existing policy and start a completely new one which covered you for delivering food as well as the normal social, domestic, commuting and pleasure risks. This would no doubt leave you with cancellation charges from your existing insurer; but if they will not agree to a top up policy it may be your only option.
Can I pay for insurance monthly?
There are a number of insurers that will accept monthly payment rather than you having to pay out a large sum in advance. However do bear in mind that, first of all, they will charge you interest or management fees on top of the basic premium, which means that you could end up paying substantially more for your cover. Secondly, some of the lower priced policies may only be available to those paying for a year's cover upfront, so you may miss out on the best deals.
Are there pay as you go policies?
Pay-as-you-go (PAYG) policies are the kind that you pay for on a month-to-month basis with the option of cancelling at any time. There are usually minimum notice periods that you have to give before the cancellation and perhaps other strings attached to them as well.
There is a lot of demand for pay as you go policies, particularly for people who only expect to be delivering food for a short period, or who wish to give it a try for a while and see how they get on with it. However there is a severe shortage of insurers prepared to offer this kind of policy and so even if you can get hold of one you may well find it to be very expensive indeed, compared to a conventional policy.
So how should I proceed?
Discussing your situation with a specialist broker is possibly your best option: you can get details on our cheapest food delivery insurance page.