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Delivered to your door: the courier business

Submitted by Dean on 26 September, 2019 - 13:05 with 0 comment

Delivered to your door: the courier business

Got a bike and some spare time? Legions of city cyclists with both to spare have decided to peddle for cash by joining the ranks of Deliveroo and other food delivery app services as couriers – picking up orders from restaurants and takeaways by motorbike or bicycle, and dropping them off to customers in various locations. So what protection do courier riders need to consider?

To work as a cycle courier your will need a reliable road bike, but as a cyclist you don’t need vehicle insurance as a legal requirement. However you may want to protect your livelihood by having your bike insured for theft. As you need to be fit and healthy to do your job, you may also want personal accident cover. Specialist cycle courier insurance does exist although can prove tricky to find.

If you are using your personal motorbike for work, then you are the insured rider and it is your responsibility to arrange cover. If you use your motorbike for courier work, it will need to be insured for business use, usually defined as travelling to more than one location for work. Special courier and delivery insurance exists for riders whose primary occupation is delivering or picking up goods, due to the associated risks. A personal policy won’t cover any accidents you have whilst working and may invalidate your insurance.

As customers of these new generation food order apps have usually paid in advance, you probably won’t need to worry about the dangers of carrying cash around with you. However, if you work for a service which offers the option to pay with cash at the door you should consider the security aspect of this – will you be able to regularly drop off the profits? Always put your safety first, ensuring you have high-quality reflective equipment, a helmet and safety gear.

Traditionally, the company you are couriering goods for would be responsible for providing cover for the contents you’re carrying. Similarly, it is usually the employer’s responsibility to have Employers’ Liability insurance in place, and they may also arrange Public Liability and Goods In Transit insurance. However with a delivery service such as Deliveroo, riders are hired as freelancers, meaning they are responsible for their own insurance. This also means if you are involved in an accident you won’t be offered sick pay, and will not be guaranteed work after you recover – worth bearing in mind.

Whether you are considering signing up to ride, or want to insure your own cycle or motorbike courier fleet, Watkin Davies is happy to discuss insurance options with you.

So call us today on 029 20 626 226 or email insurance@watkindavies.com


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Watkin Davies Insurance Consultants are one of Wales’ largest Independent Insurance Brokers, established in 1978 by Roger Watkins. Since this time we have become one of the leading Commercial and Personal Insurance Brokers in the region and the trusted insurance advisor to hundreds of Welsh and UK businesses and individuals.

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