While Admiral doesn't cover food delivery driving themselves, they are one of the only top-10 companies to potentially permit policyholders to buy a supplemental policy to cover their delivery driving. Here's how it works, what you need and what to look out for.
Does Admiral cover delivery or courier driving?
No, Admiral does not cover delivery driving, but an Admiral policyholder can still engage in paid delivery or courier work so long as they buy top-up Hire & Reward (H&R) insurance elsewhere—and get clearance to do this from Admiral. H&R insurance covers delivery driving and is required by law for anyone earning money for making deliveries. (If you're interested, learn more in our in-depth guide to delivery driving and food delivery insurance.)
To confirm this, we recently reached out to Admiral to confirm whether or not they will in fact cover delivery driving. Here's what they said:
"Admiral doesn’t provide cover for delivery driving on our polices, however we do allow our customers to use top-up PAYG hire & reward insurance policies alongside their main insurance. They will be covered as normal while using their vehicle for social and commuting. If an accident occurs while delivering, the top-up insurance would step in and deal with this claim."
Admiral is one of the only big UK insurers to work with top-up H&R cover for delivery people. Most insurers will invalidate your policy if you work as a courier, even if you've bought top-up cover.
Can I make deliveries without hire & reward cover?
No, it is critical that you do not make any deliveries until you've secured your top-up H&R cover. Doing so would be illegal, invalidating your underlying SD&P policy—and if you have an accident or are caught it could result in points, fines, seizure of your car, having your licence taken away and possible financial ruin! Best avoided.
Where to buy top-up hire & reward cover
While there are a few options in the marketplace for top-up H&R cover, we've scoured forums reading what delivery drivers have to say and it seems like Zego is the most popular option. You can read our full Zego review to learn more about the company and the product.
The way Zego top-up cover works is that a driver has a regular car insurance policy (say, with Admiral) that covers their personal driving, and then they buy Zego PAYG top-up H&R insurance which covers their delivery driving.
What to look out for
Admiral will cover your social, domestic & pleasure driving; the top-up H&R insurance will cover your food delivery driving—but who covers your commute between home and work? It depends. Either the top-up insurance will cover your commute, or else you'll need to declare commuting on your Admiral policy.
Commuting should show up on one of your certificates of motor insurance (but not both, as this could lead to confusion regarding who was liable if you have an accident on the way to or from work).
While we have confirmation from the Admiral press office that this is all on the up-and-up, we recommend that you call up and confirm that you are covered on all fronts—that Admiral will accept your top-up cover. In fact, it is very important to inform them that you're working as a courier or food delivery driver, and that you've taken out top-up cover for this. And your SD&P premium might change as a result.
That said, beware that not all of their customer support team seem to know that top-up cover is acceptable—if you get someone who thinks this is unacceptable, perhaps ask the rep to check with the underwriting team, as they have the final say.
Finally, if you'll be working full-time as a courier or delivery driver, it might be more cost effective to buy annual H&R cover and SD&P from a specialist delivery insurance broker, rather than separate SD&P and top-up H&R. To get an idea of prices for your profile, you can fill out a quote form with our comparison parter QuoteZone below.
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