To pay my way through uni I’ve found a job delivering takeaways. However, I’m not sure whether I will be insured or not.
My brother helped me sort the insurance out (he’s a top lad) and got me fully comprehensive. Does that mean I’m covered for work as well?
Answer
Fair play to you in trying to get some money rolling in whilst studying. The devil is in the detail so you need to check your policy and call your insurer if need be to see what you’re covered for. However, if I were a betting man, you probably aren’t covered at the moment for delivery work.
Delivery work is usually viewed by insurers as being a higher risk and this in turn dictates a higher premium. Whilst it may be tempting, don’t risk doing the delivery job without insurance for a couple of reasons.
Firstly, if you get caught you could get penalty points or lose your licence, etc. A criminal record is never a good thing.
Secondly, if you have an accident whilst delivering and your insurer finds out, they will likely pull cover and may well come after you for the money they have to pay out.
For example, I recently had a chap call me where his insurer had come after him personally for over £100k after he was involved in a collision with two pedestrians whilst riding not in accordance with his insurance policy. An expensive day out that’s now going to cost him his house.
Andrew ‘Chef’ Prendergast
Motorcycle Monthly December 2019
I can definitely confirm that you will not be insured under your present policy cover as someone whom we enquired about doing deliveries on there moped n then 125 were not covered and needed a different more expensive policy. Maybe the extra cost is easily earnt and is ok to pay. Incidentally I must point out too that if you ride ur 125 to and from college your are also not covered or insured and must change/take out a ‘commuting ‘ policy to and from the same place. So please call your insurance company to double check! You SERIOUSLY could end up paying tens or hundreds of thousands over the rest of your working life. This is total reality. Good luck, Collin bonkey Bowers