Deliveroo Insurance Requirements Car and Bikes

Deliveroo insurance - How it works

If you work for Deliveroo, providing a delivery service, then you will need insurance cover that is not included in a normal car or motorbike policy. Some of these delivery or courier services will provide the cover as part of the employment contract. Others will not and leave it up to the individual to take out delivery insurance. 

ZEGO is an example of a company that provides their own pay-as-u-go insurance. This was a turning point for the courier service industry, prior to this you simply had to purchase annual courier insurance. The new pay as you go model has attracted many part time workers or gig workers to providing a courier service part time. The big names are many and changing, but currently in the UK the big three include Deliveroo, Zego and Uber eats.

What and who is Deliveroo insurance?

They are a British based delivery company that employs couriers to make their food deliveries. The insurance is supplied by the company to protect their couriers when they are on the roads in the UK.

At present, this food delivery company has insurance coverage on 35,000 couriers in 12 countries.

Technically, this is Hire and Reward Insurance (H&R) cover as classified by the UK government. 

What does Deliveroo insurance cover?

  • Third-Party Liability cover for up to £1,000,000. This is active for cyclists, deliver persons who walk or run and for scooter and vehicle drivers once they have exited their vehicles. The excess for the driver when a claim is made is £150.
  • Loss of Income protection is provided for those that are covered and are hurt because of an accident while making a delivery. This is up to 75% of their average gross income.
  • Medical coverage for up to £7,500 to cover the medical bills after an accident. This part of the coverage does not have excess when making a claim.
  • Hospital bills are paid up to £3,000 after an accident with no excess included.

What does Deliveroo Insurance cost?

This courier insurance costs the delivery person nothing. This is a cover that is provided to protect the drivers and riders for this courier food service company. Once they download the company app and log in online, they are covered when making deliveries.

Who is covered with Deliveroo Insurance?

Any rider or driver who logs in with the company app is covered. If the regular delivery person is sick or cannot work for any reason, a substitute driver or rider can take their place, and they will also be covered.

This coverage is active from the moment the courier signs in to the app until an hour after they log off.

What is not covered with Deliveroo Insurance?

This is coverage for the courier, not their vehicle. For the couriers that use a car, van, motorbike or scooter, additional insurance to cover the vehicle is required by UK law. Deliveroo's insurance provides cover for the delivery driver while they are making deliveries. For pay as you use options, check out pay as you go hire and reward insurance 

The minimum type of vehicle insurance required by law is courier third-party Insurance also referred to as hire and reward third-party insurance.

Does Deliveroo insurance have any associated cost with it?

Yes, to become a courier for Deliveroo, a kit must be purchased. The cost of this kit is £150, which is refunded when the courier quits the job and return the items. Delivery food bags may be purchased separately, please see our guide to hot food delivery bags available in the UK. The payment for the kit will be taken out of the earning of the courier over time. The items provided in the kit include;

  • Deliveroo backpack
  • Phone holder for your vehicle
  • Safety equipment includes a bike light, fluorescence jacket and helmet.

In conclusion

These items are to be used and worn when making deliveries for Deliveroo.

Deliveroo insurance is free coverage for the couriers employed by this food delivery service. This financial protection is required by couriers working for Deliveroo.

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