For the majority of people, there are a few barriers to getting an Uber Eats delivery job. For example, you need a car and smartphone to be an Uber Eats driver. However, even if you meet these two requirements, there’s something else you need to get started with Uber Eats: insurance.
Luckily for you, that’s where we come in. This blog post explains what Uber Eats insurance is, how to bypass it without risking your personal car and home insurance policies and why you might want to consider adding it anyway.
What is Uber Eats Insurance?
Before we discuss how to bypass Uber Eats insurance, let’s take a look at what it actually is. Whether you’re an Uber Eats driver or accepting Eats orders through your own business, insurance is included in the app when you choose to deliver Eats orders. This means that if you get into an accident while driving to pick up or drop off a delivery, your insurance will cover any costs you incur as a result of the accident. Eats insurance consists of two parts.
First, there’s a bodily injury liability coverage that covers any medical costs for passengers in your car.
Second, there’s a property damage liability coverage that covers damage to third-party properties and other cars.
Bypassing Uber Eats Insurance: Is It Worth It?
Whenever you’re discussing insurance, the first question you need to ask yourself is whether the benefits outweigh the costs. In other words, what is the likelihood of an accident happening and what are the costs if it does? Given that you’re driving someone else’s car, you’re likely to hit potholes and encounter a few other mishaps along the way. That’s why most people choose to bypass Eats insurance as it’s unlikely you’ll be involved in an accident while driving for the app.
However, that doesn’t mean that you should ignore Eats insurance entirely. If you’re still keen on joining the Eats team and bypassing insurance, you need to make sure that your personal car and home insurance policies don’t get affected.
How to Bypass Uber Eats Insurance
First and foremost, you need to make sure that you’re not driving your own car if you want to bypass Eats insurance. This means you must find a car to use for your deliveries that isn’t your own.
Start by asking other Eats drivers if they have a car you can borrow. If you’re signed up to drive with the app, you can also claim a car from Uber.
Next, you need to make sure that your personal car and home insurance policies don’t get affected. That means ensuring that your insurance company doesn’t know that you’re driving for Uber Eats. Your insurance will be void if your insurance company finds out that you’re driving for a commercial company.
First, you need to remove any Eats decals or stickers from your car. Next, you need to create a new email address specifically for your Eats deliveries.
Finally, you need to make sure your phone is not connected with your Eats account.
Why You Might Want to Add Uber Eats Insurance Anyway
Even if you’re keen to bypass Eats insurance, it’s important to remember that the app has a two-tiered coverage. In the event of an accident, you’ll be covered only if it happens while you’re delivering Eats orders. That means that if you’re driving to pick up or drop off a delivery and you get into an accident, you’re not covered. That leaves you and your passengers vulnerable if you’re in an accident while driving to pick up or drop off a delivery.
That’s why you should consider adding Eats insurance if you plan to pick up or drop off orders in your own car. Your insurance will cover you if you get into an accident during the process of delivering food. Even if you’re not worried about your own car insurance, you need to think about your passengers.
If you get into an accident while driving to pick up or drop off an order, your passengers are at risk of being seriously injured. That’s why it’s important to consider adding Eats insurance if you plan to pick up or drop off food deliveries in your own car.
No matter which way you slice it, driving for Uber Eats is going to be a bit of a risk. You’re driving other people’s cars, you’re on the road for long hours and you’re up against some stiff competition. That’s why it’s important to take the necessary precautions, such as bypassing Eats insurance. That said, it’s also important to remember that doing so can affect your personal car and home insurance policies. That’s why you need to be sure that you’re not driving your own car, you create a new email address and you’re not connecting your phone to your Eats account.