* Standard policies are for personal use: Car insurance policies are designed to cover you for personal use of your vehicle. This includes commuting to work, running errands, and leisure driving.
* Commercial use requires separate coverage: Driving for hire or reward, like delivering food or passengers, is considered commercial use. This requires a specific type of insurance policy that covers the increased risks associated with commercial operations.
* Increased risk: Driving for hire or reward exposes you to higher risks, such as accidents involving passengers or cargo. Standard policies don't adequately cover these risks.
What to do if you want to drive for hire:
1. Check with your insurer: Contact your current insurer to see if they offer commercial vehicle insurance.
2. Get a commercial policy: If your insurer doesn't offer commercial coverage, shop around for a new policy that meets your needs.
3. Be honest: Always be truthful with your insurer about how you'll be using your vehicle. Failure to disclose commercial use can invalidate your insurance policy.
Consequences of driving for hire without proper insurance:
* Invalid policy: Your insurance policy may be voided, leaving you liable for any accidents or damage.
* Legal penalties: You may face fines and legal consequences.
* Financial hardship: You could be responsible for significant costs related to accidents or damage.
In short, it's crucial to have the right insurance for your driving needs. Driving for hire requires commercial coverage to protect you from financial and legal risks.
