Atlantic Canada has many flavours to offer — there’s always the classics like seafood and donairs, but our tastes have expanded over the years to reflect a more diverse pallet. For Nova Scotia and New Brunswick residents, this means enjoying the taste sensations of dining in many new restaurants, or now, even delivered straight to your doorstep. Food delivery services like Uber Eats allow customers to recreate the restaurant experience right at home, and that’s all thanks to couriers like you.

Do you drive with Uber or Skip the Dishes and deliver delicious meals straight to customers’ doorsteps? It’s a quick and easy way to make cash, with your car and gas the only — and minimal — capital required. But are you properly insured to take on the job? Is your vehicle protected for incidents on the road while you’re delivering food?

Driver Insurance For Food Delivery

Companies like Uber offers a basic insurance coverage built into their contract with couriers like you, but this fleet policy only takes effect when you’re online on the driver’s app — that means, when you’re on the job, and with certain limits. This covers the three stages of delivery: actively waiting for a request, driving to the restaurant for pick-up, and going to the customer’s house for drop-off. Despite using a personal vehicle for your livelihood, Uber’s standard fleet policy only covers you when you’re on the job.

A comprehensive Uber Eats driver insurance works alongside your personal auto insurance policy to ensure total protection for you and your vehicle. All you need to do is let your insurance broker know that you are operating your vehicle for both personal and commercial use. This integrated approach equips you with twice as much property damage and liability protection so that you can secure your vehicle and livelihood. These policies don’t replace or cancel out each other — they provide different protections for both scenarios.

Bear in mind, though, that driving infractions follow your record as a driver, and may impact both policies if you are found to be at fault in an accident.

Uber Eats Insurance Coverage

  • Collision coverage: this covers damage to your vehicle as a result of a collision with another car or object on the road
  • Comprehensive coverage: for all other types of damage not resulting from a collision, such as those caused by floor, fire, wind, hail, and falling trees or hitting a wild animal on the road
  • Accident benefits: if the accident affects your income and earning potential while you recover, or you suffer an extensive injury leading to a disability, this covers medical expenses and lost wages
  • Third-party liability: if you are found liable for an accident, this covers the cost of legal fees and settlements awarded to the third party who suffered injuries and/or property damage

Ask Our Brokers

At Archway Insurance, we love all the unique flavours Atlantic Canada has to offer— and we’re committed to helping you deliver these to customers’ doorsteps safely. Our brokers work with major insurance providers to craft the best policy according to your needs and the risks you face when you’re on the road for the job. We tailor these coverage options based on how often you work with Uber Eats and the volume of orders you deliver, so you’re guaranteed comprehensive protection for your vehicle and source of income.

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