doing take away deliveries

1. Andys_VTR Established Member Joined: Jun 2009 Edinburgh Posts: 1009 1998 persian red Vtr

   #1 31st May 2010, 10:05

   do i need diferent car insurence and does it cost much more?
2. conal1 Frequent Poster Joined: Nov 2009 Rotherham/ south yorkshire Posts: 548 Audi a3 tdi sline

   #2 31st May 2010, 10:16

   just phone your insurance mate and see if they cover you for it. if they dont ask how much more for them to cover you for it
3. scooba91 Infrequent Poster Joined: Mar 2010 The burgh, Sunny Scotland! Posts: 150 Mk2 VTR icelandic blue

   #3 31st May 2010, 10:27

   who you delivering for in edinburgh? might get a delivery tonight..
4. Andys_VTR Established Member Joined: Jun 2009 Edinburgh Posts: 1009 1998 persian red Vtr

   #4 31st May 2010, 10:42

   start 2moro at papas but unsure if shitty saxo will cope
5. user_32481 Saxperience Forum Bum Joined: Mar 2009 Milk 'n' Beans (Milton Keynes, MK2) Posts: 3243 MK1 Trackin S engined R, 112.5 ATW, approx 135 ATF

   #5 31st May 2010, 11:31

   You would need different insurance if you have SD&P cos that will cover you from home to one place of work but cos you will be on the road like a taxi driver then you will be classed as a professional driver and therefore insurance will cost some what more.
6. maddison_vts Established Member Joined: Sep 2008 Torbay Posts: 1565 2000 phase 2 Saxo VTS Turbo 2000 Nissan 200sx S14a

   #6 31st May 2010, 12:41

   people will go nuts at me saying this but....
   
   if you get paid cash in hand (which most take away places do) i wouldn't bother telling your insurance because you aren't actually working. if you aren't paying tax or ni on it then if anyone ever asks, you are doing that one delivery as a favour for a friend and not working. prove otherwise.
7. LSOfreak Saxperience Addict Joined: Jan 2008 west london Posts: 13810

   #7 31st May 2010, 12:44

   Quote:

   Originally Posted by maddison_vts people will go nuts at me saying this but.... if you get paid cash in hand (which most take away places do) i wouldn't bother telling your insurance because you aren't actually working. if you aren't paying tax or ni on it then if anyone ever asks, you are doing that one delivery as a favour for a friend and not working. prove otherwise.

   was thinking the same
8. jakeyboi Established Member Joined: Sep 2009 Coalville, Leicestershire Posts: 1000 mk6 fiesta

   #8 31st May 2010, 14:55

   my mate used to do this for the local chinese, he got pulled by the police, they sed he needed a delivery licence or somthing like that
9. saxo-Richie Infrequent Poster Joined: Jan 2010 Posts: 235

   #9 1st June 2010, 12:40

   I always thought business class 1 to be honest? Used to do it in my spare time when i was doing my apprenticeship and i had business for that. It says it convers the policy holder to drive in connection with the employers business.
10. Gareth_R Established Member Joined: Mar 2010 Basildon, Essex Posts: 1042 Citroen AX VTS

    #10 1st June 2010, 13:02

    even if its cash in hand work, you are still an employee and still driving in connection with the employers business, so yes you will require class 1 business use
    
    my AX VTS cost nothing extra to put business class use on it (not deliveries, something else) and for the peace of mind of actually being covered in the event of an accident/killing someone its worth doing
11. user_11441 Frequent Poster Joined: Aug 2006 Lincoln Posts: 535 Renault 5 Monaco Turbo! <3

    #11 1st June 2010, 13:12

    i had a mate who worked at dominoes delivering and i'm sure he had to change his insurance and they wanted to see proof, also your saxo should cope there is 2 saxos delivering at dominoes and still on road (Y)
12. russelldav Infrequent Poster Joined: Mar 2010 Posts: 223

    #12 1st June 2010, 13:16

    Quote:

    Originally Posted by maddison_vts if you get paid cash in hand (which most take away places do) i wouldn't bother telling your insurance because you aren't actually working. if you aren't paying tax or ni on it then if anyone ever asks, you are doing that one delivery as a favour for a friend and not working. prove otherwise.

    Effectively driving un-insured then... You might as well also:-
    
    [ ] Speed
    [ ] Ignore Red Lights
    [ ] Drive on the most convenient side of the road/pavement for your next delivery
    [ ] Eat the takeaway instead of delivering it

    1 user thanked this post: Gareth_R