What Auto Insurance Do You Need for Seamless?
Last Updated on November 29, 2021
If you drive for Seamless, then you need special auto insurance. Your normal car insurance policy does not cover you when driving for Seamless.
Seamless is an online food ordering service founded in New York City in 1999. In 2013, Seamless merged with GrubHub. Today, Seamless is officially a subsidiary of GrubHub, and the companies jointly operate under the GrubHub, Inc brand. However, Seamless continues to offer its own website and mobile apps as part of the GrubHub portfolio of companies.
What auto insurance do you need for Seamless? How much does seamless auto insurance cost? Keep reading to discover everything you need to know about Seamless auto insurance and how it works.
Table of Contents:
- What Is Seamless?
- How Car Insurance Works for Seamless
- You Need Special Car Insurance When Driving for Seamless
- What Happens If I Don’t Buy Extra Car Insurance for Seamless?
- How to Buy Car Insurance for Seamless
- How Much Does Seamless Car Insurance Cost?
- Check Your Rideshare Coverage to Verify It Covers Seamless
- Does GrubHub or Seamless Offer Auto Insurance?
What Is Seamless?
Seamless is a food delivery platform available as a website and mobile app.
As of 2013, Seamless is part of the GrubHub portfolio of companies. However, Seamless continues to operate its own website and mobile apps, and you can order food through the platform – or work for the platform as a delivery driver.
How Car Insurance Works for Seamless
If you drive for Seamless, then your ordinary car insurance policy will not cover you. Ordinary car insurance covers the personal use of your vehicle. It does not cover commercial use. When you deliver food with Seamless, you are using your vehicle for commercial purposes. You are using it to earn money.
Instead of using your ordinary car insurance policy, you need to buy a commercial car insurance policy or a business-use policy.
Alternatively, many insurers now offer rideshare insurance, which could cover you when driving for Seamless, DoorDash, Instacart, Postmates, Uber Eats, Amazon Fresh, and similar delivery companies.
You Need Special Car Insurance When Driving for Seamless
Your ordinary car insurance policy will not cover you when driving for Seamless. To continue legally driving for Seamless, you need to add rideshare coverage to your policy. Or, you need to buy a commercial or business-use policy.
Some rideshare companies – including Uber and Lyft – offer special insurance to drivers automatically. Alternatively, some food delivery services give drivers the option to buy additional car insurance coverage.
Seamless, however, does not directly sell auto insurance to drivers. instead, you need to buy auto insurance through the public market.
What Happens If I Don’t Buy Extra Car Insurance for Seamless?
If you get into an accident when driving for Seamless, then your insurer could deny your claim. Your personal auto insurance policy will not cover you when driving for Seamless.
That means you must pay out of pocket for any damages to vehicles and property you caused during the accident. It also means you must pay out of pocket for medical expenses and other costs you cause others to incur because of your driving.
If you drive for Seamless without adjusting coverage, then you are also considered to be driving without insurance, which is illegal in most states.
For all of these reasons, it’s crucial to adjust car insurance coverage before you start driving for Seamless.
How to Buy Car Insurance for Seamless
When driving for Seamless, you need to buy special car insurance. You have two main options:
Add Rideshare Coverage to your Policy: Most major insurers now offer rideshare coverage. Rideshare coverage is primarily designed for Uber and Lyft drivers. However, it can also cover you when driving for Seamless, GrubHub, and other food delivery apps. Contact your insurer to ask about rideshare coverage. Typically, you can add rideshare coverage to your policy for $50 to $400 per year, depending on your insurer.
Buy a Commercial or Business-Use Policy: If your insurer does not offer rideshare coverage, then you may need to buy a commercial or business-use policy. Typically, insurers do not offer this coverage as an add-on; instead, you need to cancel your personal policy and buy a new policy altogether. A commercial or business-use policy can cost anywhere from $100 to $300 per month.
Because commercial and business-use policies tend to be more expensive, it’s in your best interest to find an insurer that offers rideshare coverage. Rideshare coverage is easy to add to an existing policy, and it can save you hundreds of dollars per year while allowing you to legally drive for Seamless.
How Much Does Seamless Car Insurance Cost?
You need to buy special car insurance when driving for Seamless. Typically, you can expect to pay $20 to $100 extra per month to add Seamless car insurance coverage to your policy.
Prices vary widely between insurers. Some insurers add 10% to 15% to your annual premiums for rideshare coverage, for example, while others charge just $50 to $300 per year for rideshare coverage.
Alternatively, if you need to buy a business-use or commercial policy, then you could pay anywhere from $50 to $200 per month, depending on your coverage, usage, and driving history.
Because prices vary widely between Seamless insurance policies, it’s important to compare plans to ensure you’re getting the optimal coverage for your unique needs. Compare quotes online today.
Check Your Rideshare Coverage to Verify It Covers Seamless
Most rideshare coverage is designed specifically for Uber, Lyft, and similar rideshare services. However, because the industry is relatively new, different insurers have different rules.
Some insurers cover Seamless, GrubHub, and other meal delivery services through rideshare coverage. Others do not.
Contact your insurer to verify your rideshare coverage covers you when driving for Seamless. You don’t want to buy coverage only to be left with holes in coverage.
Does GrubHub or Seamless Offer Auto Insurance?
Seamless has been a subsidiary of GrubHub, Inc. since 2013. However, neither Seamless nor GrubHub offer any type of in-house insurance program.
If you drive for Uber, Lyft, and other rideshare-like apps, then you may be able to access insurance through the app (or pay extra to buy the company’s own insurance).
With GrubHub and Seamless, however, that’s not an option: You cannot buy car insurance through GrubHub or Seamless. You must buy it through the open market.
According to the GrubHub driver requirements page, drivers are simply required to “have auto insurance.” The company does not specify what type of auto insurance they require, nor do they specify how much coverage you need. As long as you meet minimum insurance requirements in your state, you should be able to legally drive for GrubHub and Seamless.
Final Word on Insurance for Seamless
You need special auto insurance when driving for Seamless. Your personal policy will not cover you when driving for Seamless or GrubHub. Instead, you need to buy a commercial or business-use policy – or add rideshare coverage to your plan.
Contact your insurer or compare insurance policies online today to ensure you get the best car insurance for your unique needs with Seamless.
