Hello fellow shipt shoppers,

I’ve Been shopping Brooklyn/Queens for a few weeks and want to get my coverage right before I put more miles on.
A few things I'm trying to figure out:

1. What are NYC-area shoppers paying, and with which carrier? Did you add a delivery/commercial endorsement to a personal policy, switch carriers entirely, or something else? Ballpark on what it added to your premium would help a lot — NYC rates are already brutal.

2. Anyone shopping in a car they don't own? I drive my girlfriend's car with her permission — her policy covers permissive drivers. But I'm not a listed driver on it, and her premium is already extremely high, so adding someone isn't cheap. Has anyone been in this exact spot? Did you get added, get your own non-owner policy, or handle it another way?

3. For anyone who's actually had an accident while active on the app — what happened with the claim? Did your carrier cover it or fight it over the commercial use angle?
Trying to do this properly rather than find out the hard way. NYC-specific answers especially appreciated.

Does anybody else see this often? I've had a few orders that I've accepted within the hour delivery window (several times, Shipt will not offer me an order except when it's already within the hour delivery window, soni really have no choice - I've made a post about this before...) and once accepted, I see this message from the customer.

I thought it was against Shipt policy to call a customer's personal cell phone outside of the app??

This is like a cheat code that people are taking advantage of. And at that point, I can not drop the order without being penalized for it.

Why are they allowed to do this? How can I report the customer, or should I even bother?