Caviar Courier Car Insurance: Discounts, Rates, & Requirements (2021)

If you drive delivery for Caviar Courier, you need Caviar Courier car insurance. While Caviar Courier requires that its drivers maintain personal coverage, this coverage will not accept claims for accidents that happen while at work. Instead, drivers need to purchase commercial car insurance in the form of endorsements or hybrid policies.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 29, 2021

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Things to Know

  • Caviar Courier does not provide car insurance to their delivery drivers
  • Delivery drivers need to purchase a commercial car insurance policy to maintain coverage while at work
  • The most affordable car insurance coverage for delivery drivers is through endorsements or hybrid policies

If you are preparing to deliver for Caviar Courier, you’re going to need specific courier insurance, which will cover you while you’re driving for work. Understanding your car insurance policy will save you time and confusion so that you can focus simply on delivering food to your customers.

Keep reading to learn more details about how you can keep your car covered while at work, and how to get cheap car insurance that still provides you all the coverage you need.

Are you ready to find your Caviar courier car insurance quote? Enter your ZIP code above, and we will help you find rates you can afford asap.

What kind of car insurance do I need to drive delivery for Caviar Courier?

Caviar Courier, being taken over by DoorDash at this time, requires their drivers to maintain personal insurance. However, personal car insurance does not extend coverage to your vehicle while it is being used for work purposes. Most delivery businesses don’t provide courier insurance, though they’ll always be upfront about it before a driver begins working for them.

Instead, delivery drivers need to purchase commercial car insurance. This coverage is designed specifically for those who need to cover their vehicle while they’re working. We have a few more details below.

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What is the most affordable car insurance option for delivery drivers?

If you want the most affordable commercial coverage and you’re working for a courier company, there are two main options: endorsements and hybrid policies.

The most affordable option is to get an endorsement for your personal car insurance. Endorsements allow you to add commercial coverage to your existing policy.

Many endorsements can be added for as little as $10 per month on top of your existing policy.

While this is the most affordable way to add coverage, commercial endorsements are not available from all providers.

Another way to get affordable car insurance quotes if you’re looking to get into the world of courier services is to purchase a hybrid policy. These policies replace personal car insurance and offer joint commercial and personal coverage.

One example of this type of policy is the Rideshare policy from GEICO. To learn more about this company, check out our GEICO car insurance review.

What are the risks if you do not buy a form of courier insurance?

Reshare policies, while offering some of the best car insurance rates, are not offered by all providers or in all locations.

While this may make it more difficult to purchase a commercial policy, not purchasing a policy can lead to costly consequences.

If you get into a car accident while out on delivery, your personal car insurance provider will reject your claim for repairs or medical bills. The medical bills alone average $3,300, according to the CDC.

This means that you will be on the hook for possibly thousands of dollars and could be out of a vehicle, depending on the accident’s severity. The liability is sometimes too much for a person to handle without insurance; this is why sometimes having insurance is a business requirement. Some places won’t accept drivers who don’t have coverage.

For many, working as a delivery driver is a way to make money on the side to help save for vacations or just a nest egg in case of disaster. However, there are workers out there who make it their fulltime job, or rely on the additional income. Food delivery services have become a great way to earn a little extra money.

However, a single accident can wipe out savings and ruin months of work completely unnecessarily.

Don’t risk your hard-earned money; purchase commercial coverage before you clock in for your next shift. Not sure where to start?

Reading car insurance reviews was a good start, but now it’s time to do some research on your own. Finding average costs across multiple companies will help, but make sure you tell them you work for a delivery service, so that you’ll end up with the proper coverage. Then you’ll be a safe and protected Caviar delivery driver.

The next step is to start comparison shopping multiple Caviar Courier car insurance quotes. Enter your ZIP code below, and we will help you get started.

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