Using Your Car for Work or Delivery: Are You Covered?

By Hannah Breckett · Published Sep 10, 2026 · 6 min read

In this guide

Commuting vs. business use
Delivery and ride-share driving
The risk of not telling your insurer
Questions to ask
Shop around

Many drivers assume a personal car insurance policy covers any driving they do. In fact, policies usually distinguish between social, commuting, and business use.

Driving for delivery or ride-share apps is often excluded entirely.

Commuting vs. business use

Commuting to a single regular workplace is often covered by standard policies or a simple add-on. Driving between sites, visiting clients, or carrying work equipment may require business use cover.

The risk of not telling your insurer

Using the car for purposes not declared on your policy can lead to a claim being refused, or the policy being cancelled.

Questions to ask

Does my policy cover commuting?
Does it cover occasional business travel?
Is delivery or ride-share work excluded?
Does the platform I drive for provide cover, and when does it start and stop?

Shop around

Specialist insurers offer policies tailored to delivery and gig drivers. Compare options carefully.

This is general insurance information, not legal, financial, or insurance advice. Coverage depends on your specific policy, insurer, and jurisdiction. Read your policy documents and speak with a licensed insurance agent or broker before making decisions.

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