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Deliveroo rider coverDeliveroo delivery driver insurance for cars, scooters and motorbikes
Deliveroo riders who use a car, scooter or motorbike arrange their own motor cover for delivery work. Compare food delivery cover through specialist brokers.
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Deliveroo delivery driver insurance is your own motor policy that covers food delivery, held alongside personal use, for the car, scooter or motorbike you ride or drive on the app. At the time of writing, Deliveroo's rider support pages say car and scooter riders need social, domestic and pleasure cover plus hire and reward, fast food delivery, or carriage of goods for hire and reward that includes food, with proof provided before starting. Deliveroo also describes some cover it provides to riders, but that does not replace motor insurance for the vehicle. Check the current terms in the rider app, as these can change.
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At a glance
- Riders using a car, scooter or motorbike arrange their own motor cover for delivery work.
- Deliveroo's support pages, at the time of writing, describe personal use plus a delivery class of use as the requirement.
- Deliveroo describes some cover it provides to riders, but not motor cover for driving or riding.
- Proof of cover is checked before you start, so the certificate description matters.
- Scooter and motorbike riders face extra questions about theft, security and licences.
- Bicycle riders have different needs and usually do not need motor cover.
What Deliveroo says riders arrange themselves
At the time of writing, Deliveroo's rider support pages say car and motorised scooter riders need two things: social, domestic and pleasure cover for everyday use, and a delivery class of use. The accepted delivery descriptions listed are hire and reward, fast food delivery, or carriage of goods including food for hire and reward. Riders are asked to show proof before they start.
These requirements are set by Deliveroo and can change, so it is worth checking the current terms in the rider app or support pages before arranging a policy. Courier Insure has no link with Deliveroo and this page is not endorsed by it.
The cover Deliveroo provides and where it stops
Deliveroo's support pages, at the time of writing, describe free personal injury and income protection cover for riders, and public liability cover. For car and scooter riders, they describe the public liability as applying while walking to collect or hand over an order, not while driving or riding the vehicle.
In plain terms, that cover does not pay for damage to your car or scooter, and it does not stand in for the motor insurance needed to be on the road. It is worth reading the details in the app so you know what it does and does not include.
Getting the certificate right first time
Platform checks tend to focus on the certificate of motor insurance. If the description, name or vehicle does not line up with your rider account, approval can be delayed and you cannot go online until it is sorted.
If you change vehicle, renew or switch insurer, the new certificate usually needs uploading again. Gaps between policies can take you off the app.
Points worth checking on the certificate before uploading:
- The delivery description includes food
- Social, domestic and pleasure use is also included
- Your name matches the rider account
- The registration matches the vehicle you use
- The start and end dates cover the time you plan to work
Scooter and motorbike riders on Deliveroo
Plenty of Deliveroo riders use a moped, scooter or motorbike. The same delivery class of use applies, but two-wheel cover brings its own questions about theft, security and where the bike is kept.
Learner riders on a provisional licence with a basic training certificate can be accepted by some insurers for smaller bikes, often at a higher price. Delivery bike and motorcycle courier policies are covered in more detail on their own pages.
Security conditions
Some insurers ask for a disc lock, chain or ground anchor at home, and may limit theft cover if those conditions are not met.
Top boxes and food bags
Fitted boxes and bags are common on delivery bikes. It is worth mentioning them, as some insurers treat them as accessories or modifications.
Riding on more than one app
Many riders also work for other food apps. A policy with a broad food delivery or hire and reward description can often cover all of them. Some certificates list named companies, in which case each app may want to see its own name.
If you also take parcel work, it is worth asking whether the policy covers parcels as well as food, since some food policies exclude it.
Questions worth asking before you buy Deliveroo delivery driver insurance
These help make sure the policy will pass the app's checks and fit the way you ride.
- Does the certificate use one of the descriptions Deliveroo currently accepts?The app checks the class of use before you can start.
- Is social, domestic and pleasure use included as well?Deliveroo's pages, at the time of writing, ask for both.
- Does the policy cover other food apps or parcel work?Many riders mix platforms, and some policies are narrower than others.
- What security is required for a scooter or motorbike?Theft claims can depend on locks and storage conditions.
- Are top boxes and delivery bags covered as accessories?Some insurers treat fitted boxes as modifications.
- Is cover per hour, per month or annual?The right shape depends on how often you log in.
- Is a replacement vehicle offered after a claim?Time off the road means no deliveries.
Deliveroo driver insurance questions
Does Deliveroo provide insurance for delivery riders?
At the time of writing, Deliveroo describes free personal injury and income protection cover and some public liability cover for riders. For car and scooter riders, that does not include motor insurance for the vehicle, which riders arrange themselves. Check the current details in the rider app.
What insurance do I need to deliver for Deliveroo by car?
Deliveroo's support pages, at the time of writing, ask car riders for social, domestic and pleasure cover plus hire and reward, fast food delivery, or carriage of goods for hire and reward including food. The certificate is checked before you start.
Can I ride for Deliveroo on a provisional licence?
Some riders use a moped or small scooter on a provisional licence with a basic training certificate, subject to the app's checks and the insurer's acceptance criteria. Insurers often treat learner riders as higher risk.
Does Deliveroo's public liability cover me while I am driving?
At the time of writing, Deliveroo describes public liability for car and scooter riders as applying while walking to collect or drop off an order, not while driving or riding. Motor insurance covers the time on the road.
Can I use the same policy for Deliveroo and other food apps?
Often, yes, if the class of use covers food delivery generally. If your certificate names specific companies, it is worth checking that each app will accept it.
Do Deliveroo cyclists need insurance?
Bicycle riders do not need motor insurance. Some still look at their own public liability or theft cover for the bike, depending on what the platform provides and their own circumstances.
What happens if my insurance lapses while I am on the Deliveroo app?
Riding or driving without cover for the way you use the vehicle can lead to points and a fine, and any accident would not be covered. The app may also stop you working until a new certificate is uploaded.
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