Does basic car insurance cover you for for doing a delivery job?
We live in Vancouver, B.C. and I'm wondering about my sons car insurance. He's starting a new job on Monday doing deliveries around the lower mainland, will he be covered with his current basic insurance? Or will he need to beef it up for work purposes?
- AnonymousLv 72 months ago
Generally, "personal" car insurance won't cover the driver or the car, when the car is being used for business - like deliveries.
Business car insurance- especially delivery - costs a whole lot more, and is a completely different kind of policy.
- WhoLv 72 months ago
delivering for a job requires commercial insurance
HE is responsible for EVERY parcel he carries in the car and normal insurance wont cover them
- Obi Wan KnievelLv 72 months ago
No. Hell no, in fact.
Your son lives in BC, which means his primary insurer is ICBC. ICBC is very clear on what they will and won't cover in their personal auto policy, and commercial / delivery use is explicitly not covered under their contract. No exceptions granted, no excuses accepted.
If your son wants to be covered while doing delivery / courier / whatever commercial use of his vehicle, he needs to fully disclose how his vehicle is being used to his insurer. And if that means he has to pay insanely higher premiums to be legally covered, so be it. And he will be asked to pay insanely higher premiums, just so you know.
If your son decides to roll the dice and a) hope nothing happens and b) beg for forgiveness if something does happen, he's totally on his own if B happens.
- Anonymous3 months ago
Nope. They ask you what will you use the vehicle for? As soon as he says deliveries, it is now a work vehicle and the insurance is higher because he is on the road more than normal. Any insurance office will do for they all handle ICBC.
. The company that is hiring him is ripping him off. They are too cheap to supply him with a vehicle, for wear and tear on engine and tires....they are not paying extra for that. A real delivery service would have their own vehicles which they would write off as a tax deduction. Your son, when his vehicle is worn out, too bad. That is the way these pizza places work. They are not also paying for the additional cost for insurance. AND he risks destroying his vehicle every day. What will the company do? Hire someone else. No skin off their back.
. Tell him to keep looking for a factory job or a construction job. There you go to work. Park the car for 8 hours work & drive home. Done.
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- ErikLv 73 months ago
Technically no, you're supposed to get a commercial policy, which is more expensive.
- KayleenRLv 73 months ago
Check with your insurance. Many companies will not cover the car for work purposes.He may need work vehicle insurance
- SumDudeLv 73 months ago
In the U S my insurance company DOES NOT cover accidents while driving as a delivery person or for hire (Uber, Lyft). Read your policy carefully (!)
- ScottLv 63 months ago
Good question, dad. I'm in the US, and here personal auto insurance policies exclude coverage for commercial or for-hire use. You may want to check your son's policy before he gets in a wreck and finds out he isn't covered.
- DavidLv 73 months ago
Yes, because he's now using the car as a delivery business.
- regeruggedLv 73 months ago
This question should be answered only by your insurance company. In the US, most policies do not provide coverage when private vehicles are used for commercial purposes.Source(s): Retired claims adjuster.