[Teri12]

Can any of you Sydney UberEaters please help me? I just phoned Uber support to find out what kind of insurance is their minimum requirement for UberEats. The woman rattled off a list of requirements which boiled down to: Comprehensive or Third Party. Cool, thinks I...
But then -
She said "same for UberX!"
What has changed since I joined a year ago, when insurance for UberX had to be a special/unique/specific/ distinguishable-from-other-insurances/way-more-expensive, insurance which includes Public Liability in case of poor pax suffering twisted knickers and bruised egos?

 

[UberRA]

Don't ask UBER, read your PDS and see whether your activity is excluded. Or you can phone your insurer and ask.

 

[Teri12]

Don't ask UBER, read your PDS and see whether your activity is excluded. Or you can phone your insurer and ask.

I have interviewed several insurers . Thanks for that. I want to change my insurance for UberEats. I am paying more in insurance for UberX. We all do - in Sydney at least. So I want to know if ordinary comprehensive insurance INCLUDES UberEats and if ordinary comprehensive insurance is the minimum Uber accepts for EATS. (Some insurers say UberEats requires business insurance. Some do not.)

 

[UberRA]

Uber eats is really no different to any food delivery job. Once upon a time, I deliver pizza part time and I just rang up my insurer and they say OK.

 

[Teri12]

Uber eats is really no different to any food delivery job. Once upon a time, I deliver pizza part time and I just rang up my insurer and they say OK.

Yes, most do say okay even now, but what I would like to know is if Uber says OK. I know that in the end, it's whether the insurer agrees or not that counts, but if Uber doesn't accept my insurance document for any of their meaningless reasons, then they'll keep me off the system until they're happy. I am confused because the woman at Uber thinks a normal insurance policy is all that UberX drivers need too. And it isn't, as we all know....(unless something has changed). If she can get that wrong, what else is wrong?

 

[UberRA]

If uber say no, you can ride a bike.

 

[Teri12]

Uber's rideshare insurance requirements have changed. According to their website, even third party would do.

 

[Hand of God 137]

Can any of you Sydney UberEaters please help me? I just phoned Uber support to find out what kind of insurance is their minimum requirement for UberEats. The woman rattled off a list of requirements which boiled down to: Comprehensive or Third Party. Cool, thinks I...
But then -
She said "same for UberX!"
What has changed since I joined a year ago, when insurance for UberX had to be a special/unique/specific/ distinguishable-from-other-insurances/way-more-expensive, insurance which includes Public Liability in case of poor pax suffering twisted knickers and bruised egos?

Most important is whether or not the policy covers you for Uber Eats. Just ask them about it. Often they will include extra stuff. Get it in writing though.

 

[Teri12]

Most important is whether or not the policy covers you for Uber Eats. Just ask them about it. Often they will include extra stuff. Get it in writing though.

Yes. Thanks for that. Looks like all Uber requires is basic insurance, even for UberX. News to me. This wasn't the case a year ago. I remember the trouble I went to to find the right insurer.

 

[Hand of God 137]

Yes. Thanks for that. Looks like all Uber requires is basic insurance, even for UberX. News to me. This wasn't the case a year ago. I remember the trouble I went to to find the right insurer.

Ok the problem is this.

Uber doesn't care if your insurance actually covers you. So you can drive but aren't actually insured and the insurer may decline any claims.

If you take out insurance that doesn't cover you for eats then have an accident YOU are in the poop.

 

[UberRA]

Most, if not all insurers have call loggers. Some even run layered voice analysis on your response. If there is a dispute, ask them to review the call.

 

[Teri12]

Ok the problem is this.

Uber doesn't care if your insurance actually covers you. So you can drive but aren't actually insured and the insurer may decline any claims.

If you take out insurance that doesn't cover you for eats then have an accident YOU are in the poop.

Thank you. That's true. I have been asking insurers about this. And disclosing what I do. But, I recently spent 2 weeks twiddling my thumbs because Uber didn't inform me that I needed a criminal background check renewal until the day the old one expired, so I'm just ensuring my documents are also what they WANT. I am not blaming Uber entirely. I should have checked. Which is what I'm now doing.

Most, if not all insurers have call loggers. Some even run layered voice analysis on your response. If there is a dispute, ask them to review the call.

That's good advice as well.

 

[macbri]

Teri,
I have normal fully comp private insurance on my car costs about $900 which of course is tax deductible.

I vaguely remember looking into the courier car insurance and I think insurers required me to be GST registered which I didn’t want to do for obvious reasons.

If that is not the case then can u post relevant insurers here as I will probably go with this as well.

Uber only look for minimum 03rd party insurance so no worries there.

 

[[email protected]]

Yes, most do say okay even now, but what I would like to know is if Uber says OK. I know that in the end, it's whether the insurer agrees or not that counts, but if Uber doesn't accept my insurance document for any of their meaningless reasons, then they'll keep me off the system until they're happy. I am confused because the woman at Uber thinks a normal insurance policy is all that UberX drivers need too. And it isn't, as we all know....(unless something has changed). If she can get that wrong, what else is wrong?

Uber doesn't care and wouldn't even know the difference.
What you need to tell your insurer is that you want to use the car for doing deliveries so that you are covered. Probably easier to not even mentioned ubereats because that will just confuse them and might make them think you are doing rideshare, which you are not. Ubereats is simply food delivery.

 

[Teri12]

Thanks, all. Very helpful. I was just making sure I could stay on the platform and avoid nasty Uber surprises. GIO looks very good. I was quoted $628 - but I increased the excess, and there is currently a 10% online discount. NRMA came in at around $300 more.

 

[macbri]

Thanks for the info on insurers.

I will check with GIO and NRMA on my return from Europe at end of July.

Might as well have everything 100% correct going forward.

Had.a break today,was tired after yesterday but should hit another $1k this week.

I am happy with that and there seems to be a large number of restaurants on eats but they all seem to have run out of the Uber bags.

Uber is also really pushing eats on tv/radio but it hasn’t really taken off yet.

 

[Teri12]

Thanks for the info on insurers.

I will check with GIO and NRMA on my return from Europe at end of July.

Might as well have everything 100% correct going forward.

Had.a break today,was tired after yesterday but should hit another $1k this week.

I am happy with that and there seems to be a large number of restaurants on eats but they all seem to have run out of the Uber bags.

Uber is also really pushing eats on tv/radio but it hasn't really taken off yet.

Europe! Wow awesome. Good for you. We work hard enough, so well done. Yes, Eats does do okay in some areas. I also like the exercise. Sometimes having to walk a bit is a nice change. No one to bother me, podcasts or music, exercise...who could ask for more.

 

[macbri]

Europe with a couple of kids in tow.

Heading for just over 3 weeks with a week in Eurodisney/Paris-Eats will definitely be easier.

I am working 7 days at moment before I head off but only mornings/afternoons no night deliveries.

I can comfortably clear $1k per week doing this in fact logging on this morning at 7:30 to just 12:00 got $132.

Had a funny 1 this morning where delivered to student on crutches who met me at front of his apartment building.

He had just got crutches and nearly fell over when I give him food so I said I would deliver to his front door on 92nd floor.

There was no lift in block and poor guy struggled up stairs whilst I put food at his front door.

To be honest,you need to be pretty fit to do eats as there can be a lot of walking involved.

I was doing a delivery early Saturday morning and there was an aerobics class going on and I thought to myself how lucky I am getting paid to get fit.

Another delivery this morning along Tamamara marina,fantastic view and getting to see an area of Sydney that never knew existed.

 

[Teri12]

Europe with a couple of kids in tow.

Heading for just over 3 weeks with a week in Eurodisney/Paris-Eats will definitely be easier.

I am working 7 days at moment before I head off but only mornings/afternoons no night deliveries.

I can comfortably clear $1k per week doing this in fact logging on this morning at 7:30 to just 12:00 got $132.

Had a funny 1 this morning where delivered to student on crutches who met me at front of his apartment building.

He had just got crutches and nearly fell over when I give him food so I said I would deliver to his front door on 92nd floor.

There was no lift in block and poor guy struggled up stairs whilst I put food at his front door.

To be honest,you need to be pretty fit to do eats as there can be a lot of walking involved.

I was doing a delivery early Saturday morning and there was an aerobics class going on and I thought to myself how lucky I am getting paid to get fit.

Another delivery this morning along Tamamara marina,fantastic view and getting to see an area of Sydney that never knew existed.

You climbed 92 flights? Wow. Nice of the guy to come to you though. And nice of you to walk back up. Yes, it's a great job for keeping fit. I deliver in an area with lots of separate estates. Sometimes I have to walk quite a way to get to the unit. How is parking near shopping centres in the inner city? I drive at night to avoid having to go to shopping centre food halls.

 

[macbri]

That was a typo Teri-I think the poor student would have died trying to get up that many stairs on crutches.

I should have typed 02nd floor(typing skills are not my strongpoint) in fact I think the most I have had to deliver to is 4 floors and to be honest most of the apartment blocks in my area have lifts.

I only deliver inner city on the bicycle,today would be a good example where I delivered to a Darling Harbour and Circular Quay.
Both times,I go into app to stop new deliveries until I get back to base in Surry Hills.

I use to park at Eastgardens stopping centre but have stopped now due to being pulled to areas that I didn’t want to deliver to like Wooli Creek/Tempe-traffic too heavy and to much stress.

I get up early 7am and base myself around Randwick,Coogee,Kingsford etc and it is surprisingly busy especially Saturday/Sunday mornings.

When I get myself pulled out of position like delivery to Bondi Beach/Woollahra, I use stop new requests on app and after delivery return to my core area.

Before this strategy,I had some deliveries to New South Road/Double Bay/Bondi Junction-these were great fun trying to park and traffic always a nightmare.

Teri,
I also set goals at the beginning of each day and target deliveries for week.

This week I set myself 70 deliveries on car and 50 on bike.

I will make the car one but will be 10/15 short on the bike.

I also listen to my body which I think is the most important.

I felt tired on Thursday and took day off as a direct result of doing 11 deliveries on bicycle Wednesday.

Today I went back on the bicycle and felt great.

If I don’t meet daily target by nighttime then no dramas and won’t try to catch up next day.

I am the opposite of Dracula-I am not active at night so maybe I will earn more when evenings get longer.