Who insures London couriers and food delivery riders?

[Iminquarantine]

As per thread title; the price of regular, not-for-profit, use of bikes in London is already silly and with a fraction of the number of insurers who will actually quote compared to outside of London.

So who insures for-profit riding by couriers? Or pizza delivery riders, most of who only have a CBT? How much is the premium?

[Ziplobb]

we have been wondering this down here & not just bikes . We have had a massive influx of drivers from Southampton and Portsmouth coming over the Isle of Wight. They kip in theior cars overnight in the street and then loiter for most of the day waiting for jobs. This prevents ordinary motorists who drive into town from parking free for 30 minutes. Local council are not enforcing parking regs to these Uber, Deliveroo etc drivers.

[LosingGrip]

Big places like Pizza Hut, Dominos etc have a policy in place for their riders/drivers. Believe you just need to have commuting on your insurance for their policy to cover you.

I stopped someone who had a bolt on policy for deliveries. Cost them £5 a day via an app.

[Iminquarantine]

I plugged a Yamaha T-max 500 for dispatch riding in a comparison site, with a London address. Only one company would quote and it was over £4K.

[TheInternet]

Iminquarantine said:

So who insures for-profit riding by couriers?

I'm amazed that anyone does, they are a bunch of dicks, broadly. What happened to the notion of them needing to lose the L plates before working as delivery riders? It won't stop them being dicks, of course.

[untakenname]

Lots of people will risk it just having SDP insurance in place, most only get found out when they are involved in a serious accident.

[anonymous-user]

In the UK generally riders are required to have SDP & Hire & Reward cover. However Deliveroo (and my guess the most will to be competitive) provide it.

https://riders.deliveroo.co.uk/en/support/insuranc...

Its provided by a Belgian company.

[Fundoreen]

Was fascinated suddenly so read about deliveroo insurance in the link above.
It covers you but not the bike as far as i can see. Bike insurance is something seperate you would have to do.

[Iminquarantine]

^ it looks like the Deliveroo insurance is not motor insurance, but if you press enough links on their site, you are taken to this provider https://www.zego.com/promotions/get-on-the-road-wi...

In London, I’ve seen a lot of scooters with the same pizza box on it advertising bikes, MOT etc. I wonder if they rent the bikes as a package deal with insurance, or if some company has stepped in to offer pizza delivery insurance.

Maybe if I stop next to one who hasn’t been riding like a clueless and knows what they are doing, I’ll ask.

[HairyMaclary]

Iminquarantine said:

I plugged a Yamaha T-max 500 for dispatch riding in a comparison site, with a London address. Only one company would quote and it was over £4K.

I think a tmax 500 would be very expensive overkill for delivering pizzas. Most I see on my commute are on 110cc scooters or sh/pcx125s. I used to see the same pair of Pcx couriers on the a26 each morning and evening so some must commute in.

Insurance aside I wonder how many speeding/bus lane tickets they must get esp now most of London is 20mph limit? Occupational hazard.

This is a sad story from a couple of years ago.

https://www.google.co.uk/amp/s/amp.theguardian.com...

[SlimRick]

I'm going to guess that quite a lot don't bother with any additional insurance. When we order with Uber, for example, the app tells me it's being delivered by bicycle, but it's usually a scooter or clapped-out diesel 3 series BM that turns up.

[croyde]

I can't imagine many of them have proper cover for hire and reward.

I was having a very hard time just trying to find normal insurance for my 300cc knackered old 2008 Vespa in a London postcode, and I'm 59, loads of NCB, been riding since I was 17.

In the end only one company would quote and that was £400 third party only.

Now I've moved out just past the South Circ and it's dropped to £68.

I drove a mini cab back in 1987 and my hire and reward was over £3000 back then.

[Stuart Fordyce]

LosingGrip said:

Big places like Pizza Hut, Dominos etc have a policy in place for their riders/drivers. Believe you just need to have commuting on your insurance for their policy to cover you.

I stopped someone who had a bolt on policy for deliveries. Cost them £5 a day via an app.

Pizza Hut and Dominos are different as they directly employ their riders on PAYE so pay tax and NI and the bikes are on the company insurance.

Uber, Deliveroo, who knows?

[Fundoreen]

I would like to think they are insured. But this is the big tech era of move fast and break things. So I doubt they care
about a little thing like a riders insurance for his motorcycle.
That said people without insurance would be riding extra careful. As they are all pretty erratic maybe they are insured.

[croyde]

anonymous said:

[redacted]

I stopped delivering people as they were annoying

[TwigtheWonderkid]

Fundoreen said:

That said people without insurance would be riding extra careful. As they are all pretty erratic maybe they are insured.

Stats show the opposite. Uninsured people are more likely to be involved in accidents, and be caught for speeding and other offences. I'm guessing being uninsured often indicates a "stuff you" attitude to the world and people driving uninsured are taking a risk, and so perhaps they take more risks when overtaking and the like.

[lazybike]

You can get insurance that you pay for by the hour, you have it in addition to your regular insurance, can be anything between 50p to 1£ per hour.

[Fundoreen]

lazybike said:

You can get insurance that you pay for by the hour, you have it in addition to your regular insurance, can be anything between 50p to 1£ per hour.

Welcome to the st world of the future. Get 50p to deliver a pizza and pay 50p for insurance while doing it.
These jokers in the tech industry have this sort of thing ready for everyone.
My advice would be to leave and be a bus or lorry driver if you want to deliver things.
Everyone else can rescue atrophied muscles by leaving the house to buy things and get fresh air.
stop buying into this st.

[croyde]

I tried Deliveroo a few times during Lockdowns.

Food was always massively overpriced and shoite. Luke warm if lucky.

I tend to phone places direct if I do actually bother with delivery food.

[lazybike]

I've got a lad at college, he'll jump on uber eats and do a few hours when he fancies it, it's OK for what it is, bit like a grown up paper round.