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Doordash Insurance

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Doordash insurance

Doordash insurance NZ

Doordash insurance refers to the insurance coverage taken by delivery drivers who use their vehicles for food delivery services in New Zealand. This insurance offers protection for drivers against potential risks and liabilities that come with delivering food items from restaurants to customers.

Why is doordash insurance important? 

Imagine you’re on a delivery route, and accidentally, you get into a minor accident. Without the appropriate insurance, you might be looking at hefty repair bills. Doordash insurance is designed to cover these risks, ensuring peace of mind for drivers as they navigate the busy streets delivering orders.

In New Zealand, the average cost of doordash insurance typically ranges between $50 – $150 per month. 

What covers are typically included in doordash insurance? 

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Business Vehicle Insurance

Protects vehicles used for doordash purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for business and personal activities.

Best For
  • Repair costs
  • Third party damages
  • Injuries 
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Loss of use

Coverage that helps when your vehicle is unusable due to an accident. It covers the cost of a temporary replacement vehicle, so you can still get around while your car is being repaired.


Best For
  • Temporary vehicle
  • Reimbursement expenses
  • Accident downtime

How much does doordash insurance cost?

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Doordash insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Doordash insurance in NZ typically costs between $50 to $150 per month

Who needs doordash insurance?

Doordash drivers specifically need Doordash insurance. Whether you’re driving part-time for some extra cash or taking on Doordash deliveries as a full-time role, it’s crucial to ensure that you’re adequately covered. 

Doordash Insurance Gerrards

Regular vehicle insurance only covers personal use only. When you use your car for business purposes, like food delivery, you’re at higher risks (more time on the road, carrying goods, etc.). If something happens while you’re on a delivery and you only have personal vehicle insurance, you will not be covered.

Yes, we can arrange Doordash insurance for a shorter period. However this usually comes with a much higher cost so it is typically best to purchase a 12 month policy and cancel early if you decide to stop doing Doordash.

How do I get a doordash insurance certificate?

You can usually get proof of insurance same day when you purchase insurance through Gerrards.

Acquiring a doordash insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or lease.

To obtain insurance coverage promptly, contact one of our doordash insurance brokers. We may require you to provide some fundamental details about your business, such as:

  • The name of your business
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

What does doordash insurance not cover?

Regular Wear and Tear

Gradual deterioration over time. This includes things like brake replacements, oil changes, and other regular maintenance tasks.

Undisclosed Modifications

Any changes to the vehicle not informed to the insurer. If you’ve modified your vehicle in ways that haven’t been reported to your insurer, and these modifications lead to an accident, your claim might be denied.

Driving Under Influence

Accidents while intoxicated. Accidents occurring when the driver is under the influence of alcohol or drugs won’t be covered.

Other common questions about doordash insurance

Yes, you can. But it’s essential to ensure there’s no gap in your coverage. If you’re considering switching, Gerrards can guide you through the process to ensure a seamless transition.

No, a single business vehicle insurance policy should cover your deliveries across various platforms. However, ensure that these different platforms are noted on the policy. 

After ensuring everyone’s safety, collect necessary information (like the other party’s contact and insurance details), take photos, and report the accident to the police if necessary. Then, contact us to report the accident so we can get the claim underway. 

Yes, business vehicle insurance policies in New Zealand cover both the activities noted on the policy like doordash driving and personal insurance

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