There’s a lot of things for parents to worry about when their kids start growing up. One that most of you may not think about, however, is the negative impact a simple pizza delivery job can have on acquiring a good auto insurance policy. In fact, many insurance companies are more reluctant to insure delivery drivers, and you’ll want to take steps to work around that as much as possible.

Pizza Delivery Drivers aren’t covered by automobile insurance companies. Surely you recall all of the information you had to enter into the forms on your first insurance policy. The extensive questions, about everything it seemed, felt invasive and intrusive. Why would an insurer want to know everything about how and when you used your car before they would even agree to give you a price quote? Actually, they need to know a lot about where, when and how much you’re on the road. More time and more miles on the road mean the driver is more likely to be involved in an accident and for the company that means paying out for claims. You got it, more claims mean higher insurance rates.

It?s pretty obvious where we?re going on this one. In comparison to a nice, safe office job, a person who is on the road during work hours becomes a higher insurance risk. Most car insurance companies just would not take such a high risk for non-commercial premiums. It may come as a rude shock if your teenager is involved in an accident when delivering pizza and the company refuses to cover the damages. Thousands of dollars could be on your bill, and there could be nothing you can do about it.

Check out an employer before letting your child work for them, and look into how they’re choosing to deal with insurance issues. Since companies making use of delivery drivers are required for them to be insured, many will do this by way of providing company vehicles to use. This lets them save a bit on insurane costs since they’ll have an absolute idea of the number of their cars out driving at any given moment.

There is also a non-owned auto insurance policy. Your teenager gets full liability coverage when they drive around delivering the pizza, or Chinese. The catch is however that it does not provide protection to damages to the vehicle. It would be prudent to ask the insurance company for further details on comprehensive and collision coverage to ensure that your car will be safe when on the road.

You may be required to purchase a commercial auto insurance policy. Stand back, this is going to hurt, but knowing that your vehicle is covered instills peace of mind. It’s a lot less costly than repairs to your vehicle. In very short order you’ll be ‘encouraging’ your teenager to move on to bigger and better career achoice. And who knows, if he or she pays the premiums out of their own pocket they may be convinced it was all their own idea!

Share This