I've been covering for someone I know doing local deliveries for a restaurant for the last week, last night I found out I dont think he's not coming back so they want me to do it....but!

Something made me phone my ins yesterday and they said I'm not covered for it, so if anything happened I'm fkd big time, and with a clean licence it's not worth it, no way!

I spoke to the manager, he said "just put the bags in your boot instead of inside" (it's pizzas) but it only takes one and quite often I get 2 and 3 when busy so they'd need to go on the back seat

He's not bothered, he just wants his stuff delivered and because I've been good and reliable, he wants me to stay but now I know I'm doing it with no bloody ins as it doesn't cover for business use, I'm VERY wary incase something happens

What should I do