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?
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;
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.