Food deliveries and insurance

Food deliveries and insurance

Author
Discussion

richhead

Original Poster:

2,516 posts

26 months

Sunday 6th July
quotequote all
After seeing the food deliveries and e bike thread i was wandering ......

Around my way most use mopeds not e bikes, i assume because its very hilly here so they need more grunt, But almost all of them are on L plates,
My question is how can someone get insurance to use a vehicle to work with on L plates.
To me it doesnt seem right, or are they just not getting the right insurance.

Ham_and_Jam

3,088 posts

112 months

Sunday 6th July
quotequote all
richhead said:
After seeing the food deliveries and e bike thread i was wandering ......

Around my way most use mopeds not e bikes, i assume because its very hilly here so they need more grunt, But almost all of them are on L plates,
My question is how can someone get insurance to use a vehicle to work with on L plates.
To me it doesnt seem right, or are they just not getting the right insurance.
I don’t think you really needed to ask that question.

OutInTheShed

11,330 posts

41 months

Sunday 6th July
quotequote all
Suitable insurance is widely available.

It's often a separate policy that only covers delivery work and not SD&P.

littleredrooster

5,929 posts

211 months

Sunday 6th July
quotequote all
A local job advert stated that insurance was provided under their fleet policy.

Edit to add: Most of those I have seen are on scooters. Mopeds are far too slow, being under 50cc - I suspect most e-bikes are quicker.

Edited by littleredrooster on Sunday 6th July 13:39

Pica-Pica

15,201 posts

99 months

Sunday 6th July
quotequote all
richhead said:
After seeing the food deliveries and e bike thread i was wandering ......
Lonely as a cloud?

LosingGrip

8,310 posts

174 months

Sunday 6th July
quotequote all
OutInTheShed said:
Suitable insurance is widely available.

It's often a separate policy that only covers delivery work and not SD&P.
It will be a top up policy. You'll need SDP (maybe including commuting) and then the top up cover will cover you for deliveries.

https://www.zego.com/car/ are one.

Most ive stopped have the correct insurance these days.

Aretnap

1,846 posts

166 months

Sunday 6th July
quotequote all
richhead said:
After seeing the food deliveries and e bike thread i was wandering ......

Around my way most use mopeds not e bikes, i assume because its very hilly here so they need more grunt, But almost all of them are on L plates,
My question is how can someone get insurance to use a vehicle to work with on L plates.
To me it doesnt seem right, or are they just not getting the right insurance.
Having a provisional motorbike licence means that you have to display L plates, and that you're only allowed to ride bikes up to a certain engine size or power rating. The licence doesn't come with any restriction on using the bike for work. So obviously there's nothing to do you getting insurance to use your bike for work either, at the right price.

Maybe there should be a restriction on using a provisional licence for work - I don't really have an opinion. But if you think there should be, you need to complain to the government, not insurance companies. There was a similar thread a while ago where someone was getting very upset about the idea that insurance companies are willing to insure people to do something which is perfectly legal... which always felt like an odd thing to get upset about.

Countdown

44,408 posts

211 months

Sunday 6th July
quotequote all
Not sure if it’s Uber Eats or Just Eat but they require you to show proof of insurance as part of your employment contract.

Griffith4ever

5,562 posts

50 months

Sunday 6th July
quotequote all
richhead said:
After seeing the food deliveries and e bike thread i was wandering ......

Around my way most use mopeds not e bikes, i assume because its very hilly here so they need more grunt, But almost all of them are on L plates,
My question is how can someone get insurance to use a vehicle to work with on L plates.
To me it doesnt seem right, or are they just not getting the right insurance.
When I've used the food delivery co.s, they show a bicycle on the app, but a car appears at my door - they do this to avoid commercial insurance.

Spare tyre

11,342 posts

145 months

Sunday 6th July
quotequote all
Countdown said:
Not sure if it s Uber Eats or Just Eat but they require you to show proof of insurance as part of your employment contract.
Trouble is people rent their accounts out

One of the guys on this thread was doing it https://www.pistonheads.com/gassing/topic.asp?h=0&...

richhead

Original Poster:

2,516 posts

26 months

Sunday 6th July
quotequote all
OutInTheShed said:
Suitable insurance is widely available.

It's often a separate policy that only covers delivery work and not SD&P.
Im not sure i made my point clear, how can a unqualified driver get insurance for work use, its the l plates that im wandering about surely you cant be an unqualified driver and use a vehicle for profit, i know an hgv cant earn until passed, is it different for mopeds?

InitialDave

13,218 posts

134 months

Sunday 6th July
quotequote all
richhead said:
Im not sure i made my point clear, how can a unqualified driver get insurance for work use, its the l plates that im wandering about surely you cant be an unqualified driver and use a vehicle for profit, i know an hgv cant earn until passed, is it different for mopeds?
If they've passed their CBT, they're allowed to ride the bike.

Whether that's good enough to be insured for delivery work is up to the insurance companies.

richhead

Original Poster:

2,516 posts

26 months

Sunday 6th July
quotequote all
InitialDave said:
richhead said:
Im not sure i made my point clear, how can a unqualified driver get insurance for work use, its the l plates that im wandering about surely you cant be an unqualified driver and use a vehicle for profit, i know an hgv cant earn until passed, is it different for mopeds?
If they've passed their CBT, they're allowed to ride the bike.

Whether that's good enough to be insured for delivery work is up to the insurance companies.
That kind of answers my question, must be a very lax insurance company tho.
A cbt isnt training, a full test is. So if they arent insured to work then why arent they being pulled.

InitialDave

13,218 posts

134 months

richhead said:
That kind of answers my question, must be a very lax insurance company tho.
A cbt isnt training, a full test is. So if they arent insured to work then why arent they being pulled.
CBT is training, it's literally in the name.

A full test contains zero training component. You may however be advised to undergo training prior to taking the test.

Someone has already stated that they pull these riders, and find them to be properly insured.

Aretnap

1,846 posts

166 months

richhead said:
Im not sure i made my point clear, how can a unqualified driver get insurance for work use, its the l plates that im wandering about surely you cant be an unqualified driver and use a vehicle for profit, i know an hgv cant earn until passed, is it different for mopeds?
It is different for mopeds: believe it or not driving a ten ton truck is a much more heavily regulated activity than driving a small motorbike. You also need to take 35 hours of retaining every 5 years to keep your HGV licence - you don't need to do that to ride a moped either.

Contrary to your assumptions insurance companies are quite happy to insure people to do food deliveries on a provisional motorbike licence, and it's not particularly difficult to get insurance to do it.

TwigtheWonderkid

46,206 posts

165 months

richhead said:
That kind of answers my question, must be a very lax insurance company tho.


Not really. Lots of insurers cover high risk stuff for high premium. Premier League footballers in their teens and early 20s in supercars all get insurance.

I've long argued that a provisional licence should be for pleasure use only, but the law doesn't agree with me.

alangla

5,645 posts

196 months

TwigtheWonderkid said:
I've long argued that a provisional licence should be for pleasure use only, but the law doesn't agree with me.
Same. I always found it galling that I’d spent a grand and done a theory and 2 practical tests for the privilege of riding my own bike occasionally at weekends, while the local pizza couriers could ride professionally, albeit not on a motorway, after doing a day’s training.

Given most liveried pizza bikes include an L plate as part of the standard paint job, they clearly don’t expect any of their employees to be fully qualified to operate the vehicles they’re handing out.

Griffith4ever

5,562 posts

50 months

Countdown said:
Not sure if it s Uber Eats or Just Eat but they require you to show proof of insurance as part of your employment contract.
Unless you are on a bicycle, which is why Uber Eats, where I live, shows them on the app on a "bicycle" - but they are travelling at 50, and arrive in...a car.... I'm told they lie to get the gig without the insurance which is blindlingly expensive.

bergclimber34

1,211 posts

8 months

Depending where you live, a heck of a lot doing deliveries are now hotel dwelling migrants who pay no tax and even more are also at times cooking up the delivery in the hotel

So you might want to think twice before picking up your phone, or revel I your laziness and the subsequent issues...

richhead

Original Poster:

2,516 posts

26 months

Tuesday
quotequote all
bergclimber34 said:
Depending where you live, a heck of a lot doing deliveries are now hotel dwelling migrants who pay no tax and even more are also at times cooking up the delivery in the hotel

So you might want to think twice before picking up your phone, or revel I your laziness and the subsequent issues...
TBH i dont use any delivery food service, i dont often have a takeaway and when i do i go and get it myself.
It does baffle me why people get things like mcd delivered, they are barely edible in store, after 30 mins on a moped, no thanks.