“If I was just driving on personal insurance … my claim could be declined,” Cormier instructed CBC Information, who added that since asking a number of different brokers the identical query and being instructed the identical factor, he has stopped making deliveries in the interim.
Cormier added that his first dealer later supplied him a quote for a industrial driving insurance coverage coverage, which prices about $10,200 yearly – one thing he says is “not feasible.”
Insurance coverage Brokers’ Affiliation of Ontario president Joseph Carnevale mentioned that many drivers like Cormier are delivering meals with out realizing that their private auto insurance coverage coverage doesn’t cowl them whereas they’re at work. He inspired drivers to tell their insurance coverage brokers about their supply jobs.
However the dealer affiliation president additionally famous that present industrial auto insurance coverage insurance policies is perhaps a poor match for on-demand meals supply drivers.
“The problem we face is that someone who’s just trying to make a few dollars on the side then has to [pay] a substantial amount of money for a proper and legal commercial insurance auto policy,” defined Carnevale.
“And so there’s a scenario out there right now that probably … the vast, vast majority of people don’t have the proper policies in place and that puts them at risk.”
CBC Information reached out to 3 meals supply providers – DoorDash, Skip the Dishes, and Uber Eats – in regards to the form of insurance coverage their drivers want to hold.
DoorDash mentioned that it offers extra auto insurance coverage, however the coverage solely applies to break drivers would possibly trigger to 3rd events, and solely to accidents that happen when a driver is in possession of products to be delivered.
A Skip the Dishes consultant mentioned that its drivers are unbiased contractors, and thus are chargeable for their very own insurances, permits, licenses, and different obligatory necessities wanted to function of their jurisdictions.
Uber confirmed with CBC Information that it maintains industrial auto insurance coverage by means of Intact Insurance coverage for each its rideshare drivers and Uber Eats. Drivers are lined as much as $2 million in third get together legal responsibility protection. A spokesperson added that Cormier’s dealer was doubtless misinformed, since Cormier would have certified for the protection.
Cormier is now awaiting a industrial auto insurance coverage quote from the Facility Affiliation, which presents insurance coverage to drivers who’ve been turned down by different insurers on account of their excessive threat.