Sorry to hear that you've hit some bad luck out there. Depending on the circumstances, you may be able to make a claim.
Your free accident insurance includes 2 main policy benefits that may be able to support you - Rider Income Protect and Rider Public Liability.
Rider Income Protect
Rider Income Protect gives you supporting income in case you can't work following an incident that occurs whilst you are working. There are two types of payment under this policy:
Single lump sum payment
You can claim a lump sum payment up to £50,000 for given injuries including:
- Loss of a limb, including fingers or toes
- Loss of sight, hearing or speech
- Loss of use of shoulder or elbow
- Loss of use of hip, wrist, knee or ankle
- Loss of use of the whole lower jaw
- Loss of use of kidney
- Permanent total incapacity
- Dislocation of a hip, knee, wrist, elbow, ankle, shoulder blade, collarbone, finger, toe or jaw
- Facial scarring following an assault
- Emergency dental treatment following an assault
There are also additional benefits available such as medical costs and convalescence (recovery).
If your accident means that you can't work due to your injuries, then you can claim an ongoing benefit - like sick pay.
The amount you can claim depends on how long you have worked with Deliveroo, and your average earnings:
If you've worked for more than 2 months you can claim the lesser of £50, or 75% of your average income earned with Deliveroo over the previous 6 months.
If you've worked for less than 2 months, or you are a substitute rider, you can claim £25 per day.
The following important points are worth noting:
- You must be incapacitated for longer than the 'waiting period' which is 7 days
- There is a maximum benefit period of 30 days, or 6 days if you have worked for less than 2 months, or you are a substitute rider.
Rider Public Liability
You are covered in case you cause injury or death of someone whilst working with Deliveroo, or if you damage third party property.
Cyclists and walkers are covered whenever online, and scooter riders and car drivers are covered when off-vehicle to collect and deliver orders. Legal costs are also included in the cover.
Make a claim
If you think the incident you have been involved with may be eligible for a claim, you should first report the incident using the Incident Report page.
For more information on making a claim see our claims article here.
This article refers to the free Rider insurance which launched in May 2018. If you purchased an insurance policy through Bikmo before then you should refer to your policy schedule email for information on making a claim.