Motorcycle Courier Insurance

Fast food delivery and parcel delivery insurance for bike.  Compare quotes 

  • Parcel delivery and collection
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  • motorbike courier insurance
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  • Deliveroo
  • UberEATS

Motorcycle Courier Insurance

With motorcycle courier insurance a person can combine one of the most fuel efficient types of vehicles with one of the fastest growing sectors of the new gig economy. This pairing makes it possible to maximize profits with the least amount of investment and expenses.

What is motorcycle courier insurance?

Motorcycle courier insurance is a special classification of motor vehicle cover that is required for those operating a motorcycle and delivering a package for hire or reward of a third party which is required by UK law. What it does have in common with non-courier vehicle cover is how the driver of the motorcycle and their motorcycle is covered.

The different levels of cover include;

  • Third Party Only
  • Third Party Fire and Theft
  • Comprehensive

In addition to the above, the driver also needs to have for the purpose of delivering items is Carriage of Goods to cover the packages being transported. This is required since a courier is categorized as a Class 3 operator of a vehicle.

Who needs motorcycle courier insurance?

This type of cover is required for anyone making deliveries or items that are not their own and for a profit. What needs to be understood is there are special policies and rates for couriers who only deliver food items like fast food restaurant couriers, UberEats, Doordash and Deliveroo. These are generally part-time delivery people who only need fast food delivery insurance.

The other type of policy is for full time delivery driver insurance where parcels are delivered and pick-up.

When asking for a quote make sure you specify what you will be delivering and if you will be full time or part time.

Are there any add-ons to the basic motorcycle courier insurance that should be considered?

The businesses that employees the drivers have to have Employers Liability cover. This is protection just in case the drivers are injured or become sick while on the job. This generally only covers full time employees.

Many part time delivery couriers are contract workers and are not covered by an Employers Liability add-on. Because of that, a contract delivery driver should consider taking out a public liability cover. This will protect them financially if a third party makes a claim against them. This type of cover pays the legal fees and settlements if one is imposed on the delivery driver by the courts.

Breakdown insurance is another recommended cover. This type of cover has multiple levels of protection which only 2 need to be considered.

  • Standard breakdown cover includes roadside assistance. If repairs can’t be made in an hour the motorcycle will be towed to a garage within 10 miles of the breakdown site.
  • Nationwide includes the standard cover along with the ability to have the vehicle towed to any destination in the UK as chosen by the driver of the broken down vehicle.

How can I save money on the premium for motorcycle courier insurance?

The most common and constructive path to saving money on the insurance premium is to have the motorcycle located in a locked building when not in use. This can be a garage, shed or even the living room of the owner. For added security, a theft deterrent device should be installed like an alarm or immobilizer.

An effective way of keeping the premium as low as possible is to pay the amount due on an annual basis. You will not get a discount for this, but interest on the unpaid balance will not have to be paid. Those that pay monthly installments on their premium have to pay interest.

To help get the motorcycle courier insurance you need at the lowest cost one should enlist the help of an insurance broker. By letting them know the specifics of your business as in full or part time, food delivery or parcel, the broker will be able to get you multiple quotes for comparison.

Pay-as-you-go delivery insurance is a popular choice for the gig economy that provides a part time service. This type of insurance was pioneered by ZEGO and Deliveroo. Two models currently exist: pay-per-mile and pay- per-hour. Bothe use a tracking device or smartphone to send and record data on your movements

Motorcycle Courier Insurance