Grubhub Auto Insurance: Rates & Requirements (2021)
Grubhub auto insurance requirements are a little vague. However, it is your responsibility to make sure you have the right insurance coverage for food delivery. Your personal policy is likely not enough. You may be better off purchasing commercial insurance or a business-use add-on. Read more about delivery driver insurance below and always compare quotes before choosing an auto insurance company.
- Grubhub requires drivers to provide proof of insurance.
- Your personal auto insurance is not likely to cover you for an accident that occurs while you're working.
- You may want to consider buying a commercial insurance policy or business-use add-on.
Grubhub is an online platform that allows people to place food orders from restaurants in their area. You can also sign up to become a delivery driver.
Grubhub auto insurance requirements are vague, but you are still responsible for making sure you have the right coverage. Read more to learn about commercial auto insurance and how your personal coverage may or may not cover you while delivering.
The right auto insurance company for you could be right around the corner. Enter your ZIP code above to compare auto insurance quotes for free.
What are Grubhub's auto insurance requirements?
Unfortunately, Grubhub auto insurance requirements are pretty vague. The company just says they require you to have auto insurance when you apply to be a driver.
Grubhub food delivery drivers are responsible for ensuring they have adequate insurance coverage. This will depend on legal requirements, policy types, insurance companies, and the individual factors that affect insurance rates. With this in mind, it should be clear your insurance must meet or exceed your state's insurance requirements.
Will my personal auto insurance cover me as a delivery driver?
As a Grubhub delivery driver, your personal auto insurance will most likely not cover any claims made during your working hours. However, you are still responsible for reporting you are a delivery driver or you may risk having claims denied or your coverage canceled.
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Do I need commercial auto insurance?
If you are a delivery driver that works more than part-time, you may want to consider purchasing commercial auto insurance. Commercial insurance is more expensive than personal insurance since your delivery activities are seen as riskier than the average daily commute. However, they will cover you for accidents that occur during business hours.
If you are only working part-time or less, you may be able to talk to your personal auto insurance company to see if they will cover you. Sometimes, a limited amount of business use is written into a personal policy.
They may also offer you a business-use add-on for an additional fee, but these usually don't offer as high of coverage as commercial insurance.
Conclusion: Grubhub Auto Insurance
Grubhub requires drivers to provide proof of insurance.
Your personal auto insurance will most likely not cover you if you are in an accident while making deliveries. However, you should always report your occupation as a delivery driver so you don't risk losing coverage.
You may want to opt for buying a commercial auto insurance policy to cover you while you are making deliveries. However, if you work part-time or less, you may also qualify for some personal coverage or a business-use add-on.
If you need help finding affordable auto insurance near you, use our free tool below by entering your ZIP code to compare auto insurance rates now.