What Is the Cost of Domino’s Delivery Insurance?

About Domino’s Pizza

Next to Pizza Hut and Papa John’s Pizza, Domino’s Pizza belongs to the most popular fast-food chains worldwide. They offer a wide choice of pizzas, bread, salads, and sandwiches. Prices on the menu vary from $5 to $20, depending on your appetite and taste.

This brand is available in more than 90 countries with almost 18,000 pizza stores. The key to this success is innovative customer service, offering many perks, guarantees, and insurances.

The bill often comes with a voucher, discount for the next purchase, or free delivery. You can also enlist for a Piece of the Pie, Domino’s loyalty program that rewards you with points any time you place an order personally, online, or by phone.

THINGS TO KNOW

  • You’ll need to buy commercial auto insurance or a policy add-on that covers you while you work, since your personal car insurance policy won’t cover you while making deliveries for Domino’s.
  • On average, commercial auto insurance costs around $142 a month.
  • Domino’s offers carryout insurance for free.

You’re likely to spend a lot of time on the road as a pizza delivery driver for Dominoes. Having the right kind of insurance policy gives you the coverage you’ll need.

Since your personal car insurance policy won’t cover you while you’re on the clock, you’ll have to buy a new policy or add more coverage to your current policy.

Commercial auto insurance is available to Domino’s delivery drivers, but rideshare insurance and adding a “business use” designation to your policy are also options that offer coverage while delivering pizzas.

So as a Domino’s Pizza delivery driver, how much car insurance do you need? What options are available for Domino’s Pizza delivery drivers?

Before you commit to a policy, read through our guide for everything you need to know about car insurance for Domino’s Pizza insurance.

Does Domino’s Pizza provide car insurance?

Domino’s does not offer insurance to delivery drivers, so you’ll be responsible for finding coverage.

As a Domino’s driver, your personal car insurance policy won’t cover you while you’re making deliveries. You will need to either buy commercial auto insurance or buy a policy add-on to be covered while you work.

What insurance options are available for Domino’s delivery drivers?

The main options available for Domino’s delivery drivers are commercial auto insurance and rideshare insurance. Some companies also allow you to have a “business use” designation on your policy.

While all three options would cover you while you’re making deliveries for Domino’s, each policy has different coverage levels, rates, rules, and restrictions.

Before you buy Domino’s Pizza delivery driver insurance, it’s important that you know the differences between each policy to see which one will give you adequate coverage.

Commercial Auto Insurance

Commercial auto insurance is one of the most common choices for Domino’s delivery drivers.

Commercial auto insurance covers you while you’re driving on the clock, and unlike rideshare insurance, these policies are separate from your personal life insurance policy.

While the rates for commercial auto insurance policies are often high, they are some of the most widely available policies that cover pizza delivery drivers.

Rideshare Insurance

Rideshare insurance isn’t as common as commercial auto insurance, but the rates are often considerably cheaper.

Rideshare insurance is available as an add-on to your personal policy rather than a separate policy.

In some cases, rideshare insurance may not be necessary if you don’t have passengers. So it’s important to check with your insurance provider before buying to see if rideshare insurance would be the best option for you.

Adding a Business Use Designation to a Policy

“Business use” designations are similar to rideshare insurance in that you won’t need to buy a new policy to be covered while you work.

All you’ll need to do is add this notation to your personal car insurance policy to be covered while making deliveries.

Typically, this is one of the cheapest options available for pizza delivery drivers, but it isn’t as widely available as rideshare or commercial auto insurance policies.

How much does car insurance for Domino’s Pizza delivery drivers cost?

The cost to buy Domino’s delivery driver insurance will vary depending on the type of coverage.

Commercial auto insurance tends to be the most expensive option. However, it’s also one of the most widely available policies for Domino’s delivery drivers.

Rates for these policies can vary, but the average monthly commercial auto insurance rates are $142.

Rideshare insurance is generally cheaper to buy. With companies like USAA and GEICO, your rates can be as low as $6 a month.

However, other factors can impact your car insurance rates.

What factors affect the cost of pizza delivery driver’s insurance?

Along with the type of policy you buy, there are several other factors that can affect the way car insurance companies calculate rates.

Age, sex, driving history, vehicle condition, and the type of insurance company can all affect your monthly rate.

Your vehicle’s mileage can also affect rates. This is important for Domino’s delivery drivers to take into account since they spend a lot of time driving.

If your vehicle’s mileage is high, your rates can be higher than average.

Conditions To Getting Free Pizza

If you want Domino’s to free remake your pizza, there are several things to keep in mind. For example, you won’t get a replacement pizza just because you have changed your mind about toppings. The way to qualify for Carryout Pizza Insurance, you need to:

  • Return an uneaten pizza. That means you can’t eat a slice or two and return the rest of it, claiming it is damaged.
  • Bring along the order label that you received with the pizza.
  • You need to return the pizza in the original packaging. You can’t return the pizza on the plate or in another random box claiming that the original packaging is destroyed.
  • Return the damaged pizza to the same store. You can’t replace it in any other Domino’s restaurant.

Keep in mind that replacement should occur in a maximum of two hours after ordering pizza. So, you can’t return pizza four hours later, complaining that you got it cold. If you have met all the conditions, you will get the same pizza type without topping changing.

Keep in mind that Domino’s is a franchise business model, so it may happen that some stores don’t provide this insurance policy. Still, you can always ask for it when you place an order, just in case something goes wrong.

The Carryout Pizza Insurance is more of promotional limited-time perks the pizza store can choose to accept or not. However, there are other benefits you can count on, like a delivery guarantee.

How much is Domino’s carryout insurance?

Domino’s offers carryout insurance for all customers at no cost.

Carryout insurance from Domino’s guarantees that if damage happens to your pizza for any reason after you pick it up from the store, you will receive a replacement pizza.

Domino’s will make a new pizza for you free of charge if you return the whole pizza in its original packaging within two hours of purchase.

Bottom Line

As a Domino’s Pizza delivery driver, you’ll need to buy a new policy or a policy add-on since Domino’s does not offer car insurance to drivers.

Personal car insurance policies don’t provide you with coverage while you’re driving for work-related reasons, so you’ll need to choose between the available options to be fully covered while making pizza deliveries.

The most common type of car insurance policy for delivery drivers is commercial auto insurance, which costs around $142 a month on average. However, your rates will depend on multiple factors, including the car insurance company you buy commercial auto insurance from.

Other available options are rideshare insurance and adding a “business use” designation on your policy.

With commercial auto insurance, you will have to purchase a new policy. However, with rideshare insurance and “business use” designations, you can add coverage to your personal car insurance policy.

To find coverage that best suits your needs as a Domino’s Pizza delivery driver, you’ll need to compare policies and choose one that fits your budget. Rates on all policies can vary, so it’s important to compare different car insurance companies to find the most affordable option.

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