5 things to consider before you buy car delivery insurance

Written by Benedict Harrison

Published on

When it comes to sorting out the insurance you need to start food delivery work, you might not know where to start. With all the different options available, not to mention some of the technical terms you might not be familiar with, choosing the right insurance policy can feel like an impossible task.

At Zego, we think it’s better to keep things simple, with products designed to suit all kinds of delivery work. In this post, we’ll take a look at some of the most important things to consider on your search for car delivery insurance.

How much will you be working?

The number of hours you will be working can often help you decide which type of policy suits you best. At Zego, we offer a range of car delivery insurance products, designed to cover everyone from full-time delivery drivers to those who work for just a couple of hours per week.

If you plan to work 25 hours or more per week, you may wish to consider a 30-day or annual combined car delivery insurance. These options can be more effective for full-time delivery workers, as our pay-as-you-go cover is better for part-time delivery workers.

How much will the policy cost you?

The price of an insurance policy is often the first thing people consider when looking for their cover. Nobody wants to pay more than they need to, so if two companies offer the same cover for different prices, it’s a great chance to save money.

However, the price is not the only important part of your insurance policy. If you always look for the cheapest price, you might not get protection for everything that’s important to you.

Download the Zego Delivery app and get a quote – it only takes a minute.

What cover is included in the policy?

Before you take out your car delivery insurance policy, it’s important to make sure you understand the level of cover you will have. Fully Comprehensive cover offers the most protection, but it will cost more. Although Third Party Only cover will work out cheaper, you will not be covered if anyone steals your vehicle.

It’s also important to keep in mind what kind of activities you are covered for under different policies. Combined insurance policies offer you the cover you need to carry out both food delivery work and use your car for your own personal driving, but if you use Zego’s pay-as-you-go cover, you’ll need to have an existing Social, Domestic & Pleasure (SD&P) policy in place.

Does the company have good reviews?

Reviews are a great way to find out what other people’s experiences have been like with a particular insurer. That way, you can get an idea of whether you can trust a particular insurer.

If lots of people have had a bad experience with an insurance company, then there’s a risk that you will too. It’s always a good idea to check review sites, like Trustpilot or the company’s reviews on Google before you purchase your policy.

What happens if you want to change your details?

If your details are likely to change after you take out your policy, it’s always a good idea to find out if a potential insurer charges admin fees. It’s important to know if they’ll charge you for changing your address or vehicle details.

At Zego, we don’t charge any admin fees for changing your details, but some companies will. So how much it will cost to change things on your policy is an important detail.

For more information about Zego’s products, you can visit our Car Delivery insurance page.