Food Delivery Insurance
Food delivery is the one category here where most of the people doing it are not in a car. Bicycles, e-bikes and scooters make up a large share of the work, and the insurance that matters for a rider is almost the reverse of what matters for a driver. This page covers the category across all of it.
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What food delivery riders and drivers insurance covers
On a Bike, the Rider Is the Asset
A bicycle is cheap to replace and you are not. Riders are exposed in traffic with no vehicle around them, so personal accident and income protection carry far more weight than any cover on the machine itself. This is the inversion that catches people coming from car delivery.
E-Bikes and Scooters Sit in a Grey Area
Depending on power output and state rules, an e-bike or scooter may or may not be a registered motor vehicle, and that determines whether compulsory third party applies and which policy responds. Getting the classification right first is what stops a nasty surprise later.
Public Liability on the Footpath
Riders operate around pedestrians, in lobbies and on footpaths far more than drivers do. Public liability responds if you injure someone or damage property, and some platforms and building managers require it before you can access a site.
Theft of the Bike or Scooter
Delivery machines are left unattended outside collection points many times a shift, and they are stolen constantly. Cover for the bike is usually inexpensive relative to replacing it, and where you lock it and to what will affect whether a claim is paid.
If You Deliver in a Car Instead
The moment you switch to a car the private-policy exclusion for carrying goods for reward applies and the priorities change to vehicle cover and rating. If you move between a bike and a car across the week, tell us, because a single arrangement can be built to follow you.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.
Reviews are for Stonewell Insurance, the business behind Courier Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
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Courier Cover is a trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).