Scooter, motorbike and moped insurance for food delivery and courier riders
Flexible cover for delivery workers on 2 wheels. Choose insurance by the hour, month or year to suit the way you work.
What is pay-as-you-go scooter and motorbike delivery insurance?
If you’re a scooter, moped or motorbike delivery rider, our pay-as-you-go hire and reward (H&R) delivery insurance can help you save money on the cost of your cover.
This cover is charged by the minute (with a minimum of 1 hour’s cover), and lets you pause your insurance when you’re not working. It’s a more flexible way to get insured, so it’s great for part-time or seasonal delivery riders.
How does it work?
It’s quick and easy to buy delivery insurance with us. Our flexible courier insurance and fast food delivery insurance works with all the main providers, like Uber Eats, Vromo, Just Eat and more.
1. Get a quote
Enter a few details about you and your vehicle. We’ll give you a personalised price in minutes.
2. Buy your cover
Choose a policy that suits your budget and the way you work, then get set up in the app.
3. You're all set!
Insurance sorted, you’re ready to start earning money when it suits you. Easy!
Choose who you work for
What insurance does a scooter, moped or motorbike delivery ritder need?
To use your scooter, moped, motorbike or e-scooter for delivery or courier work, you must have personal (SD&P) insurance and hire and reward insurance.
Hire and reward insurance is a type of commercial vehicle insurance that allows you to carry food or parcels in return for payment. Whether you have existing personal insurance or not, we can get you covered with the right scooter policy.
Our policies
Pay-as-you-go (H&R)
Great for: Part-time food or parcel delivery workers looking for a more flexible type of cover (you’ll need to work with one of our delivery partners**).Cover: Hire and reward (H&R) cover for delivery work only—you must have existing personal (SD&P) insurance.Policy options: Third Party Only.Payment: Top up as you go via the app.Personal (SD&P)
Great for: Zego customers with an existing pay-as-you-go policy.Cover: Social, domestic and pleasure (SD&P) insurance for everyday riding, such as trips to the shops or between shifts.Policy options: Third Party Only.Payment: Buy in the app (must be bought alongside our pay-as-you-go delivery insurance).Combo (SD&P + H&R)
Great for: Full-time or seasonal delivery riders, who also use their scooter or motorbike for personal use.Cover: Vehicle insurance for both delivery work (H&R) and personal riding (SD&P).Policy options: Third Party, Fire & Theft, Third Party Only or Fully Comprehensive.Payment: Buy with a single payment online or monthly instalments.
A closer look at our policy options
We offer Third Party Only, Third Party Fire & Theft, and Fully Comprehensive.
Choose our Combo scooter insurance and you'll get:
Third Party Only | Third Party, Fire & Theft | Fully Comp. | |
|---|---|---|---|
Food and parcel delivery, plus personal riding | |||
Costs for causing damage to other vehicles or property up to £5m | |||
Your legal liability for causing death or injury to other people | |||
Theft of your vehicle and spare parts up to a maximum of £5,000 | |||
Loss or damage to your vehicle up to a maximum of £5,000 |
What's the difference between moped and scooter insurance?
Cost
The main difference between moped and scooter insurance is the cost. Because mopeds have a smaller engine size and slower top speed than scooters, they’re usually considered less risky. The lower the risk, the lower the insurance cost.
Mopeds have an engine size of up to 50cc, and can reach top speeds of around 28mph.
Scooters tend to be more powerful, with the largest engine sizes ranging all the way up to 750cc. So they can go much faster.Policy type
Another thing that can affect the cost is the type of insurance policy you choose.
Third party, fire and theft policies tend to be cheaper as the cover is quite limited — if you’re involved in a collision, only third party drivers are covered for accidental damage or personal injury. Whereas a fully comprehensive policy will cover you and other drivers, and can even include things like breakdown cover.
So before you choose moped or scooter insurance, it’s best to check what’s included in your cover.
Here’s what you need to take out scooter and motorbike insurance with us
- You have a full UK/EU driving license or Compulsory Basic Training (CBT licence) for up to 125cc
- You’ve had no more than 2 claims in the last 3 years (regardless of fault)
- You are aged 21 - 65
- You work for one (or more) of our partnered work providers
- You live and work in England, Scotland, or Wales
- Your vehicle’s engine size is 500cc or less (or 125cc or less for pay-as-you-go cover)
Why we’re the right choice
445k
drivers have chosen Zego
65m
policies sold
Frequently asked questions
Trusted by 100,000’s of UK drivers
Join the good driving revolution. Get a quote to see how much you could save.
More about scooter delivery insurance
How much does delivery insurance cost?
Whether you work full-time or for just a couple of hours per week, we have a policy for you.
How much do Uber Eats drivers make?
For those considering driving for Uber Eats, the first thing people ask, ‘How much do Uber Eats drivers make?’ Here are the facts.
Choosing the best scooter for delivery
We cover some of the most important things to consider when looking for a scooter to use for courier or food delivery work.
**For PAYG Scooter policies you must work with an integrated partner, which include: Deliveroo, Ryde, GoGetters, Vromo, Stuart, Just Eat and Uber Eats.
“65 million...” – Based on the total number of policies sold by Zego as of 21/05/24
“445K drivers...” – Based on the number of fixed policies sold by Zego as of 21/05/24