Domino’s Pizza Car Insurance: What to Know & How to Save (2021)
If you are considering a job delivering pizza for Domino's, did you know your existing insurance may not cover you while on the job? Most personal insurance policies will not cover on-the-job accidents or damage. Instead, you may need to get a separate commercial insurance policy. Keep reading to find out what Domino's Pizza auto insurance you need, and where to get it.
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UPDATED: Apr 30, 2021
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- If you are working as a delivery driver you may need separate commercial car insurance.
- Domino’s Pizza does not provide full coverage insurance to its drivers.
- Most major insurance companies offer commercial insurance.
You or someone you know has likely been a delivery driver for Domino’s Pizza or some other delivery service. However, did you know your personal auto insurance policy may not cover you if you get into an accident?
That’s right, the moment you clock on, your personal auto insurance coverage clocks off.
Keep reading to compare car insurance designed for personal and commercial use, and find out what Domino’s Pizza car insurance you need to protect you and your livelihood.
Are you in need of new, more affordable commercial auto insurance? Enter your ZIP code above and we will help you to compare car insurance rates in your area.
Will my personal insurance cover me when delivering for Dominos?
According to the Insurance Information Institute, your personal car insurance will not cover commercial driving.
While car insurance rules vary widely from state to state, the overarching rule is that personal car insurance does not cover car delivering jobs.
The reason for this is that the automobile insurance most people sign up for is considered ‘personal’ insurance. That means that it is designed for everyday use, not consistent travel associated with business usage.
You may be thinking, how have I never heard of this? You are not alone.
Many individuals who deliver pizza for Dominos and any other food delivery service are not aware that their personal car insurance ends the moment that they clock on and that they need delivery driver insurance to cover them.
In fact, it is commonly something that is discovered only after an accident occurs, and they find themselves on the hook for expensive repairs or medical bills.
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Does Domino’s Pizza auto insurance exist?
Technically yes. Domino’s Pizza auto insurance is something that the company has. However, in the event of an accident, Domino’s delivery insurance is designed to protect Domino’s Pizza.
The insurance that the company provides is more of liability insurance than anything, and may not protect you or your vehicle in the event of an accident.
What type of insurance do I need if I am a delivery driver?
If you have a car delivery job, you are going to need commercial car insurance. Commercial auto insurance policies are designed to protect you and your car while you are using it to perform your job.
This can be anything from on-the-clock travel to acting as a Domino’s Pizza delivery driver.
Why is commercial car insurance a thing? When you use your car for work, you will inevitably put more miles on and spend more time in your car. This naturally increases your risk of accidents or damage.
Commercial car insurance accounts for that and other factors that come into play when you go from driving for fun to driving for funds.
Where can I get commercial insurance?
So you need commercial car insurance, what now? Well, the good thing is that almost all of the most popular car insurance providers, such as Geico and Progressive, also offer commercial car insurance rates.
In fact, many large companies, in the wake of big delivery companies like GrubHub and Postmates, have delivery auto insurance policies specifically designed for those with these delivery jobs. You can get commercial car insurance quotes.
The less good news is that you are going to be looking at a separate policy, and the cost of it is going to vary widely depending on the provider, your personal claims history, and many other factors.
As with shopping for any other kind of insurance, it’s important to get as many quotes for delivery insurance rates as possible when you are looking for commercial car insurance.
Remember to compare not only the price but the coverage offered, as not all policies will offer the same protection.
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