Food Delivery & Motorbike Courier Insurance
Motorbike class 3 business use- Scooters, motorbikes & mopeds
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Get covered to work as a motorbike courier or food delivery rider
The demand for fast food and takeaway delivery has seen incredible growth in recent years. Of course, that food needs to get from the restaurant or takeaway to the customer, which has resulted in an increased demand for delivery riders and drivers.
If you’re using your motorbike for courier or food delivery riding – no matter whether you’re working just a few shifts a month or it’s your full time occupation, you’ll need to have the appropriate delivery bike insurance in place.
What insurance do I need for courier or food delivery?
A standard motorbike insurance policy will only cover you for using your bike for social purposes, and commuting to and from a single place of work (if you choose this type of cover).
If you use your motorbike, scooter or moped to deliver goods – whether it’s transporting small packages between businesses, or delivering fast food to hungry customers – you’re going to need a different kind of motorbike insurance.
In the industry, this type of insurance might be referred to as “Class 3 business bike insurance,” but you’ll often see it simplified to “delivery use” or “courier & delivery” when shopping around for quotes on motorbike comparison or broker websites.
The key takeaway is that in order to be legally insured for the carriage and delivery of food or parcels, you'll need to be covered under a class 3 business use policy.
Delivery & courier insurance is not the same as business bike insurance
When you compare quotes, there is the option to choose Business Use (by the proposer) or Business Use (by proposer & named riders). These options are also known as Class 1 and Class 2 Business Insurance.
Business Use (class 1 and 2) won’t cover you for using your motorbike for delivery purposes, whether it’s your own motorbike courier business or you’re working for one of the online delivery companies.
Difference between motorbike business use classes
Classes 1 and 2 business bike insurance will provide cover when you travel for business or commercial reasons to more than one place of work.
This could include attending training courses, riding to pick up a piece of equipment, nipping to pay in takings at the bank, or any other journey that you might take on your motorbike in connection with a business or the carriage of your own goods such as tools and equipment.
Class 3 (courier and delivery) differs because it is necessary where the transit of goods – also known as hire & reward - is involved. You’ll be covered for the delivery of small parcels and food.
Most insurers will also consider door to door sales as motorbike delivery insurance.
Always check the “Delivery Use” option (aka class 3 business bike insurance) when comparing, to ensure you’re getting quotes for the right level of cover you need to deliver food or parcels.
If you’re unsure about the level of cover you need, speak to a broker directly
Types of motorbike delivery insurance
Although the usage class is different for motorbike delivery riders, the coverage options available when using a motorbike for business purposes remain the same as for standard motorbike insurance.
This is the same irrespective of whether you need courier bike insurance, motorbike food delivery insurance, or are only using the bike for general business purposes. Click on the links for more information about each insurance type.
Third Party Only - Provides cover for claims made against you by other people, but there’s no cover for you or your bike.
Third Party Fire & Theft - If your bike’s stolen, or damaged by fire, you can claim. You’re also covered for claims made against you by other people.
Fully Comprehensive - Includes the cover of TPFT but also includes cover if your bike’s damaged, stolen or written off.
Why is motorbike food delivery insurance so expensive?
Motorbike courier insurance, and especially motorbike food delivery insurance is seen as one of the riskiest types of motorbike insurance in the market. There are multiple reasons for this but two of the biggest risk factors are a higher likelihood of delivery bike riders being involved in an accident, and the relatively higher risk of a delivery motorcycle being stolen.
The increased accident risk is due to time pressures and financial incentives placed on riders, in combination with the inherently riskier typical demographic (young and inexperienced). The year round, all weather and nocturnal nature of food delivery work also adds significant risk.
Because delivery bikes are constantly being left unattended at night whilst multiple drops are made, delivery motorbikes can be an easy (and obvious) target for thieves.
This means that fewer brokers are willing to take on the risks associated with motorcycle delivery insurance, with the premiums quoted by the remaining companies likely to be relatively high to ensure they remain adequately covered. Some brokers may also place restrictions on the size or type of bike they are willing to insure.
Restricted choice and higher prices is never a good situation for people making a living using their motorcycles.
As ever, one of the best ways to find the cheapest courier or fast food delivery bike insurance is to shop around.
The comparison system available at Biker Insure compares 25+ motorbike insurance brokers. Due to the nature of class 3 business bike insurance, it’s likely that a proportion of these won’t be able to provide a quote. The quotes you receive will of course be dependent on your individual circumstances, but the important point to note is that it is still possible to compare quotes for motorcycle courier insurance, despite the shallower market.
How to get a quote for motorbike courier or fast food delivery insurance
The process to compare quotes for motorcycle courier and food delivery insurance is exactly the same as comparing quotes for regular, non-commercial motorbike insurance.
- Enter your bike’s details
- Enter your personal information
- Decide on the type of cover required
Section 3 asks the question “What will you use the bike for?”
To obtain quotes for food delivery and courier use, click the “delivery use” checkbox. You’ll also be asked to estimate your annual business mileage.
Answer a few more questions, and you’ll then receive a list of quotes from brokers on the panel who are able to provide food delivery & courier insurance.
Always check your policy documents
It’s always important to thoroughly check your motorbike insurance policy documents to ensure you’re getting the cover you need.
This is perhaps even more important when insuring a motorcycle for business purposes, because the cover often needs to be of a more intense and bespoke nature than usual.
Don’t make any assumptions on the kind of goods your policy will cover you to carry, as not all kinds of goods will always be included.
If you’re at all unsure, give the broker a call to spell out precisely how you will be using your motorbike, the kind of work you will be doing, and what you’ll be delivering.
Courier & delivery rider FAQ’s
What kind of insurance do I need to be a motorcycle courier?
In order to be covered for the carriage and delivery of goods, motorcycle couriers must be insured with a type of insurance known as Class 3 Business Bike Insurance.
What kind of insurance do I need to deliver food on a motorbike?
Motorbike food delivery riders must be insured with a type of motorbike insurance known as Class 3 Business Bike Insurance.
Is delivery rider insurance expensive?
Riders who use their motorbikes to make deliveries are usually seen as riskier customers than those riding for social, domestic and pleasure purposes.
The increased level of cover required for motorcycle delivery insurance means that policies are typically more expensive, often by a considerable margin.
What kind of bikes can be insured for delivery use?
Mopeds, scooters and motorcycles can be insured for delivery use. More expensive, or more powerful machines will often be pricier to insure – and some insurers also place capacity restrictions on the bikes they are willing to insure for delivery or courier use.
Are the goods themselves insured?
Some policies include goods in transit cover as standard, whereas sometimes you may need to buy it as an extra. Of course, insuring a pizza or curry against loss or damage when they’re in your care might not be a practical consideration, but if you’re a courier who delivers more valuable or important goods then it could make sense to ensure you’re covered.
How can I get cheap food delivery motorbike insurance?
Although insurance policies for motorbike food delivery are typically more expensive than standard motorbike insurance, many of the same basic factors (i.e. excluding business use) that decide your risk profile remain the same. Head to our page on cheaper motorbike insurance for ideas that could help you reduce costs.
Of course, one of the best ways to find cheap insurance for motorbike delivery use is to shop around and compare as many quotes as possible. Start a new quote now to see how much you could save.