Does My Car Insurance Cover my Pizza Delivery Job?

Q: I do pizza delivery with my vehicle, will my car insurance cover me if I am in a car accident?

A: No vehicle used in the course of business is covered under a personal car insurance policy unless there is a clause in your policy that specifically allows it.  Most likely there will not be. Delivering pizzas increases your time on the road and increases the chances that you will be in an accident, making you an undesirable risk to car insurance companies.  In order for your vehicle to be covered, you will need to have a commercial car insurance policy or the company you are delivering pizzas for will need to provide car insurance coverage on your vehicle for when you are on the clock with them.

If you get into an accident and your car insurance company finds out that you have been delivering pizza and you do not have any other coverage, they will cancel your policy. Not just a warning, you will be cancelled or non-renewed without conversation or exception. If you quit your job and stop delivering pizza before the cancellation, that would be the only thing that may stop a cancellation. Be prepared to provide proof that you quit your pizza delivery job though or the car insurance company may still go through with the cancellation or the non-renewal.