Should you tell your auto insurer if your son uses the car for carry out food delivery?

Answer 1

Yes, you should tell them. You need to tell them that your son uses the car and you need to tell them that the car is used for delivery service. These are two additional things that the insurance will not cover if someone else's property is damaged when your son is driving, even if he's not working, if someone else's property is damaged when he is making deliveries. A property owner who suffers the damage can sue you (not your son) for a lot of money if you don't have the extra coverage for your son.

Vehicle Commercial UseA Personal auto insurance policy does not provide coverage for Commercial Use. Every personal auto insurance policy specifically excludes commercial use of your personal auto.

Not only should you notify your Insurance company. You are in fact required under the terms of your Insurance Contract to on pain of voiding your coverage if you fail to do so.

If your son is operating the vehicle as a commercial delivery conveyance (an act of commerce) and you do not have commercial auto insurance coverage on the policy then he is basically driving uninsured. If an accident occurs and the insurer finds out, they can deny any and all coverage under your personal auto policy. Such a denial will leave both the driver and the vehicle owner who permitted the use fully liable for all damages and injuries without benefit of coverage from your personal auto insurance policy.

You should contact your Insurance agent as soon as possible to obtain a commercial auto policy.

General Insurance Agent