
Are you a young driver, looking for food delivery insurance? Then you will find - if you haven't already - that this insurance can be expensive.
The reason for this is that the accident rate for food delivery drivers is high - and for younger drivers, particularly those under 23, it is very high indeed. This is because of:
All these factors encourage many young drivers to take risks they otherwise wouldn't, and the result is a much greater possibility of accidents.
The financial implication is that premiums go up to compensate the insurers for a greater number of claims. More important though is the human cost. An accident in a car can be bad enough but often it just results in a dented wing or other vehicle damage. A scooter or motorbike rider, however, is a lot more vulnerable and so there is more likelihood of bodily injury or even worse.
Unfortunately two wheeled vehicles attract lower insurance premiums since, in the event of an accident, they tend to do less damage to third parties, and so claims can be lower than for heavier vehicles. Add in the greater manouverability and lower fuel consumption a high proportion of food delivery drivers do opt for two wheeled transport; better for the insurers, but not so good for the riders.
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