Income protection
Temporary incapacity following an accident
The insurance pays you in case you are injured during an accident that occurs whilst working with Deliveroo that stops you from working.
The amount you are paid is as follows:
For riders who have worked with Deliveroo for 2 months or more:
The lesser of £50 per day or 75% of your average income from Deliveroo (before any Tax and National Insurance) in the 6 months before the incident. The longest period you can claim for is 30 days and you can't claim within the first 7 days waiting period.
For example:
If you've worked with Deliveroo for 24 weeks and your average income was £50 per day before any tax or NI, then you would be paid £37.50 per day.
For riders who have worked with Deliveroo for less than 2 months, and for substitutes:
You will be paid a fixed amount of £25 per day for up to 6 days following a waiting period of 7 days.
Bodily injury and assault
You can also claim for a capital benefit (lump sum payment) following an accident, bodily injury or assault. The list of injury types and sums insured is provided in the evidence of insurance document available here (see the Table of Benefits section). The amount varies from £50 to £50,000 depending on the type of incident or injury.
Public Liability
Your public liability cover will pay for:
- Bodily injury, disease or death you cause to any person; and
- Accidental damage to someone else's property
whilst you, or your chosen substitute, are delivering by bicycle with Deliveroo or whilst on foot when collecting or delivering a Deliveroo placed order.
Car and scooter riders are also covered when away from the vehicle whilst collecting or delivering orders.
The maximum amount that the policy will pay for is £1 million including reasonable defence costs and expenses.
When am I covered?
You have cover whenever you are online and logged-in to your Deliveroo rider app (when you're working) and for 1 hour after you have logged out to allow you to get home.
Delivering for other companies (not Deliveroo)
You must work with Deliveroo to be eligible for any benefit under your free insurance cover. Working with, or for, other companies does not void or invalidate your cover.
If you suffer an accident or injury whilst working for another company, you will not be eligible for cover under your free rider insurance.
More cover details
The above information is designed to give you a summary overview of the cover provided. For a full breakdown of each cover benefit, and any exclusions or conditions, we'd recommend you read the full details of insurance documents here.
Riders with a 'paid for' policy
If you took out a policy with Bikmo prior to the free insurance launching and the cover is still active during the cancellation notice period then you will still benefit from the same cover as you had before. You should check your email schedule you received when you took out your policy for cover details.
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