Here's why:
* Increased Risk: Food delivery drivers face significantly higher risks than typical drivers. They drive more frequently, often in rush hour traffic, and may be driving in unfamiliar areas.
* Policy Violations: Most auto insurance policies have clauses related to "business use" of a vehicle. Not disclosing this usage can result in your policy being voided if you need to file a claim.
* Higher Premiums: You'll likely have to pay a higher premium to cover the added risk, but this is far preferable to having your claim denied altogether.
Here's what you should do:
1. Contact your insurer: Let them know your son is using the car for food delivery and get their specific requirements.
2. Provide all necessary information: They may ask for details about the delivery platform your son uses, the frequency of deliveries, and any other relevant details.
3. Review your policy: Make sure you understand any changes to your coverage or premiums.
It's important to be honest with your insurer. Failing to disclose this information could cost you significantly more in the long run.
