What does my free insurance cover?

Important details

This is not food courier insurance and we cannot provide you with a food courier certificate. 

The Income Protect / Public Liability policy does not provide any cover for damage/theft to your property, including any damage/ theft to your bike, scooter, moped or car. 

The below 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 which you can find here:

Rider Income Protect
Rider Public Liability

Income Protect

The insurance pays you in case you have an accident whilst working with Deliveroo, and you can’t work as a result of your injury.

For riders who have worked with Deliveroo for 2 months or more will receive:

The lesser of:

• £50 per day, or 
• 75% of your average income from Deliveroo in the 6 month period before your injury (before Tax and National Insurance).

For riders who have worked with Deliveroo for less than 2 months will receive:

• Fixed rate of £25 per day

You can claim up to a 30 day period, but you can't claim for the first 7 days waiting period.

For example:

If you've worked with Deliveroo for 3 months and your average income was £50 per day before any tax or NI, then you would be paid £37.50 per day for each day you can’t work. The maximum period you can claim for is 30 days following the waiting period of 7 days.

If you've worked with Deliveroo for less than 2 months, you will be paid a fixed amount of £25 per day that you can’t work as a result of the injury. The maximum period you can claim for is 6 days following the waiting period of 7 days.

You can also claim for a lump sum following an accident, bodily injury or assault. The list of injury types and sums insured is provided in the Details of Insurance document available here (see the Table of Benefits section).

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.

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 this policy, but working with, or for, any other companies does not void or invalidate your cover whilst you are working for Deliveroo.

If you suffer an accident or injury whilst working with, or for, any other company, you will not be eligible for cover under this free rider insurance.