Does Grubhub need insurance? (type of insurance required, filing a claim + more)
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Grubhub says anyone with a car can easily sign up for its service and become a no-experience driver.
However, most missions that require a vehicle also require insurance, and if you’re wondering if that includes Grubhub as well, I looked into it!
Does Grubhub need insurance in 2022?
From 2022, Grubhub will need to purchase insurance before the company approves drivers. According to the Grubhub website, you need auto insurance, but Grubhub doesn’t specify what kind of insurance. When you sign up for Grubhub, the company verifies your insurance. Also, Grubhub does not cover you in the event of an accident.
To learn everything you need to know about insurance and Grubhub before you apply, including what works for you, how it handles accidents, and more, read on!
Why does Grubhub need insurance?
Grubhub needs insurance because by law, anyone driving a motor vehicle, car or motorcycle in this situation needs insurance.
Does Grubhub check insurance?
Yes, when you apply to be a driver, Grubhub will check your insurance by asking for proof of insurance, which you can provide through your insurance ID card.
That said, your insurance ID card can be a reliable proof of insurance because it contains the following information:
- your first and last name
- The name and address of your insurance provider
- The effective date and expiration date of your policy
- your policy number
- Details of your vehicle, including its make, model and Vehicle Identification Number (VIN)
Additionally, Grubhub can use this information to verify that you have some form of state-mandated insurance, but not what kind of insurance.
Also, since Grubhub doesn’t specify the type of coverage you need, this should be enough to get you approved.
However, I’ve found that Grubhub takes a tougher approach to checking insurance if the company suspects the evidence presented is untrue.
According to a report, Grubhub asked drivers to provide a statement page after they were unhappy with their insurance card.
Will Grubhub affect your insurance?
Yes, Grubhub affects your insurance in a few different ways. Today, most major insurance companies have special policies for people who use vehicle carpooling.
For example, carpool policies cost more than standard coverage, and they’ll ask you if you’re participating in those services when you sign up.
Also, if your insurance company finds out that you work for Grubhub but doesn’t tell them, they may take action, from raising premiums to canceling coverage.
That way, when you get into an accident and file a claim, or when they notice a dramatic increase in your car’s mileage over a short period of time, they can find out that you’re a courier.
What happens if the Grubhub driver crashes?
If a Grubhub driver crashes, they can only file a claim with the insurance company and hope they agree to cover it.
Also, if the accident happened while a driver was on the job, but they didn’t have carpool insurance, their insurance company might deny the claim.
That said, the standard insurance coverage policy only covers day-to-day driving. So if the vehicle is used for direct work purposes, the policy may not extend that far.
How do I file a claim with Grubhub?
You can’t file a claim with Grubhub because it doesn’t offer insurance and the company explicitly excludes itself from liability.
Grubhub said that under its terms of use, it is not responsible for any damage or loss, including personal injury, even if it was the result of something the company knew.
So Grubhub is unique in this regard, as every other major food delivery service, including Postmates, Uber Eats, and Doordash, insures drivers.
Additionally, most of them have similar coverage terms, including:
- You are only covered if you are actively running
- They have their own payment range
- You can usually only make a claim if your insurance company has denied you
What type of insurance does Grubhub need?
Many of the big insurance providers offer carpool insurance these days, and that’s exactly what Grubhub needs.
Unfortunately, it’s more expensive than regular insurance options, but it’s designed to cover you while you work, something other policies don’t.
Also, if you can’t get carpool insurance from your provider, you can purchase commercial insurance for the car you use with Grubhub.
That said, commercial auto insurance is designed to cover vehicles used for work, and while they’re more expensive than most, they’re your best bet if you can’t get carpool insurance.
Still, Grubhub only requires you to have some kind of insurance, so you can buy any insurance, but I recommend asking your provider which insurance is best for you.
To learn more, you can also read our posts on how to cancel your Grubhub order, how Grubhub drivers get paid, and Grubhub safety.
in conclusion
Grubhub requires insurance, and it checks to see if you have insurance, but the company doesn’t specify what kind of insurance you need, beyond the state-mandated minimum.
Also, you can get carpool or commercial insurance, but it’s best to ask your provider which policy will work best.
Grubhub doesn’t cover drivers, which means they can’t even file a claim.
As such, Grubhub is the only major food delivery service without insurance, as companies like Uber, Postmates, and Doordash do.
