Deliveroo insurance - How it works

Deliveroo insurance is being reviewed since it is highly uncommon for insurance like they are providing to be available for free. This delivery company provides this coverage at no cost to their delivery courier drivers.

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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 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 insurance is only coverage for the courier 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. 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.

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

In conclusion

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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