Can I use my personal car to deliver my shop's goods ordered through Deliveroo?

[Taverner]

Hello.

I'm looking into the possibility of using Deliveroo to add a revenue stream to our mom and pop bricks and mortar business.

I've already spoken to them and there is a significant difference in fees between me delivering or using their drivers.

However, I'm not sure on the car insurance side of things. We don't have a delivery service and the majority of our stock is delivered. I suppose technically, the goods are mine as I won't have received payment for them but will the insurers see it that way?

Anyone been in a similar situation?

 

[Newchodge]

You will need business insurance, specifically for delivery.
Ask @Frank the Insurance guy

 

[Taverner]

I thought that may be the case. Thank you for your quick reply.

 

[DontAsk]

In answer to the question in the thread title. No, not without the correct insurance.

 

[Taverner]

In answer to the question in the thread title. No, not without the correct insurance.

Thank you.

 

[fisicx]

And some car finance deals prohibit business use.

 

[Frank the Insurance guy]

Hi @Taverner ,

I suggest you take a look at this people: https://www.zego.com/

This provides a separate insurance policy to your own personal car insurance - it covers the miles you drive on deliveries and charges you just for those.

 

[boxlot]

Zego is bit rubbish, often counts miles incorrectly and works out bit expensive too. Acorn offers a standard car insurance and you can add business plus fast food delivery etc.

 

[JEREMY HAWKE]

You will need hire and reward insurance for your car

 

[Stuart_91]

You will need hire and reward insurance for your car

I may be wrong, but I thought "hire and reward" was when you are acting as a courier, providing a transport service for two third parties. (E.g. a takeaway driver isn't the food provider or the customer)

It sounds like the OP is producing the product, then delivering it to customers. Business use would definitely apply but since it's their own goods they are not acting as a courier.

 

[JEREMY HAWKE]

Business use for carrying own goods

 

[Stuart_91]

Business use for carrying own goods

Yep, agreed.

I didn't want the OP getting skinned for courier-grade insurance if they don't actually need it.