In the current climate the only certainty is uncertainty, the whole world has had to adapt to an ever-changing economic landscape. People’s needs have changed drastically, and the online world has opened up a whole new realm of possibilities for the future of the industry. Nowhere is this more evident than in the restaurant and takeaway business.
The general footfall has had to cease but a bright future has opened where delivery services are widely available and the ability to transition to this has never been as necessary.
We at Lance Brokers specialise in fast food insurance whether that is the bricks and mortar of your building or getting your food moving through delivery drivers.
The premise of insurance is to ensure you’re adequately protected for your needs and that means understanding what those needs are. Interestingly, the online world of meerkats and singing waiters has taken some of the heart out of our industry. However, to ensure you get the right cover especially for your business we would always suggest speaking to a Broker, we will take all of your details in a 10 minute process and then you can leave us to do the hard work of shopping your risk around the market and ensure you get the best deal.
The fast food delivery insurance market is new and had to grow quickly due to the introduction of Uber Eats, Just Eat et al. the recent developments across the country have opened up the world of general independent takeaways and restaurants adapting to this model and has meant we have been busier on this product than any other. We have worked tirelessly to ensure we have the best rates in the market and the most competitive product we can have to support this and you in this trying time.
To enable you to understand the importance of having the correct insurance, it is now something that is punishable with 6 points on your licence for driving without the correct insurance when delivering food. There is also a chance an insurer will void your policy which will have to be disclosed which will then impact future insurance and believe us when we say, we have encountered a lot of people who have unfortunately been caught out by this. If your insurance certificate doesn’t state ‘Business Use including fast food delivery’ you will not be adequately covered.
There is not a one size fits all price structure for this type of product as everybody has a different driving background and this is taken into account with every quote we do. However, we do have flexibility on our administration charges and finance costs and in this period, we are minimising everything we can to help in this situation and are continuing to develop new ways of distributing this insurance as easily as possible.
We’re here to help you keep your business moving.
Michael Brigden – Managing Director – Lance Brokers Limited