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?


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