GrubHub Car Insurance: What to Know & How to Save (2021)
If you are looking to deliver with GrubHub, you may want to look into GrubHub car insurance. Your personal car insurance policy may not provide coverage. Instead, you will need to invest in special insurance for food delivery drivers called commercial insurance. You can purchase a separate policy or see if your provider offers an add-on for delivery driver insurance.
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UPDATED: Feb 24, 2021
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- GrubHub does not provide commercial insurance for its drivers
- If you do deliveries without commercial insurance, you will be responsible for any costs inf you get into an accident
- There are different types of commercial insurance policies available
Are you thinking about driving for GrubHub to make some extra money this year? You may want to take a moment to find out if your car insurance will cover you while you’re on the job.
GrubHub car insurance is something that many drivers think that they have, but in actuality, they do not.
Personal car insurance policies often do not provide coverage while you are using your car for work. That means you may need to look for food delivery insurance if you are looking to become a food delivery driver.
Are you looking for a new insurance provider? Compare car insurance types that are available to keep you covered.
Before learning more about GrubHub car insurance options, enter your ZIP code above, and we will pull up competitive rates in your area. Always be informed before you buy car insurance.
The Truth about GrubHub Car Insurance
Technically speaking, GrubHub car insurance does not exist. GrubHub does not provide any insurance to its drivers, but it does require that each driver be insured before they sign up.
What GrubHub, and other companies like them, do have is liability coverage that essentially protects the other party in an accident.
This coverage is not extended to the driver, their vehicle, or any medical bills unless the company specifically states otherwise.
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What happens if you get into an accident while delivering for GrubHub?
That depends on whether you have the appropriate coverage or not. If you only have a personal car insurance policy, that policy does not cover working for a food delivery company.
In that case, you may find yourself on the hook for hundreds, even thousands of dollars in damages and medical expenses
If that sounds like a situation you don’t want to be in, you need to look into commercial car insurance. This is insurance specifically designed for individuals who use their cars to perform their job.
What is the difference between personal and commercial car insurance?
Personal car insurance is what most people have. It is a policy that covers you when you are doing day-to-day tasks like getting groceries, traveling to visit family and friends, driving to work.
A commercial car insurance policy. A commercial policy is designed to protect you when you are driving for your job. This can be delivery drivers or someone who travels as part of their duties.
Commercial car policies take into account totally different circumstances when configuring their rates than personal insurance policies do.
There is a good reason for these considerations. According to the Insurance Information Institute, aggressive driving is one of the leading causes of fatal car crashes.
If you are using a car to do a job, you will be driving more, perhaps in more stressful situations, and this will all come into effect when calculating how much the policy costs and what types of coverage goes into it.
Where can you get commercial car insurance?
Almost every major insurance provider will offer commercial services. However, not all commercial car insurance policies are the same, nor do they cost the same.
For many insurance companies, when you are looking for food delivery insurance, you will have to sign up for an entirely separate policy.
This can be a high cost, especially if the purpose of your job with GrubHub is to earn extra money.
To avoid making food delivery untenable, look for companies that will either add-on to your personal policy or have separate insurance for food delivery drivers.
These policies, often called rideshare policies, cover food delivery and things like Uber and Lyft.
One company that offers this style of policy is GEICO commercial auto insurance. Their rideshare policy acts as personal and commercial insurance, so you don’t have to sign up for any separate coverage. GEICO insurance reviews will tell you all you need to know about this company.
Other companies will offer rideshare coverage as an add-on to the existing coverage, like Progressive.
When you are searching for commercial insurance, make sure to contact as many companies as possible.
Compare rates and the extent of coverage offered to ensure you are protected and not paying more than you should.
Are you ready to look for affordable car insurance quotes? Enter your ZIP code below, and we will pull up car insurance rates in your area to help you find the right car insurance company for you.