Motorcycle Courier Insurance 101: A Comprehensive Guide

As a motorcycle courier, you're likely aware of the importance of having the right insurance coverage. In the UK, for instance, the law requires couriers to have at least third-party insurance.

Most motorcycle couriers operate on a self-employed basis, which means they need to take care of their own insurance needs. This can be a bit tricky, but understanding the basics can help you make informed decisions.

The cost of motorcycle courier insurance can vary greatly depending on factors such as the type of motorcycle, the courier's experience, and the level of coverage desired. For example, a 25-year-old courier with a low-powered motorcycle might pay around £1,000 per year for third-party insurance.

If you use your motorcycle for work and transport goods from one place to another, you need a motorbike courier insurance policy. This type of insurance is a must-have for anyone making deliveries or transporting items that aren't their own for a profit.

You'll need to specify what you'll be delivering and whether you'll be full-time or part-time when asking for a quote. This is because courier insurance is required for added risk compared to basic business vehicle insurance.

A standard policy might not be enough, as it can cost more to have the right type of insurance, but it's worth it to avoid the risk of not having coverage in case of an accident. Pizza delivery drivers and those transporting parcels on their moped for a living are examples of people who need motorcycle courier insurance.

Special policies and rates are available for couriers who only deliver food items, such as fast food restaurant couriers, Uber Eats, DoorDash, and Deliveroo. These policies are generally for part-time delivery people.

You can choose from three levels of motorcycle courier insurance cover: Third Party Only, Third Party Fire and Theft, or Fully Comprehensive.

It's essential to consider each one carefully and choose the level that suits your individual needs.

Third Party Only cover is the most basic level, which means you'll only be covered for damages or injuries to other people or property, not your own bike.

Third Party Fire and Theft cover adds protection for your bike in case of fire or theft, but you'll still not be covered for any damage to your own property.

Fully Comprehensive cover provides the most extensive protection, covering you for any damage to your bike, as well as third-party damages or injuries.

You can also purchase policy add-ons, such as breakdown cover, income protection cover or personal injury cover, to make sure you're prepared for any situation.

We can also help with scooter and motorcycle combinations, as well as mixed fleets including car and vans.

The best way to get a good deal on your motorbike courier insurance is to shop around, as it only takes five minutes to complete a simple form on The Bike Insurer.

You can compare quotes from some of the UK's top insurers, making it hard to ignore the quotes they deliver.

To save money on the premium, reducing risk is key. Adding extra security that's insurance industry approved can help.

Consider investing in a theft deterrent device like an alarm or immobilizer, and make sure to park your motorbike in a safe location, such as a garage or a secure shed.

Paying the premium annually can also help keep costs down, as you won't have to pay interest on the unpaid balance.

If you operate multiple courier vehicles, courier fleet insurance might be a more cost-effective option than individual policies.

Enlisting the help of an insurance broker can also get you multiple quotes for comparison, making it easier to find the best deal.

Here are some options to consider:

As you consider motorcycle courier insurance, there are a few key things to keep in mind. Employer's Liability cover is a must for the businesses that employ the drivers, as it protects them in case the drivers get injured or sick on the job.

The type of employment arrangement you have can also impact your insurance needs. If you're a contract worker, you might not be covered by Employer's Liability, so you'll want to consider taking out public liability cover to protect yourself financially in case someone makes a claim against you.

Public liability cover pays for legal fees and settlements if you're taken to court, so it's an important addition to your insurance policy. This type of cover is especially crucial if you're working as a contract delivery driver.

Motorbike Breakdown cover insurance is another must-have for motorcycle couriers. This type of insurance has different levels of protection, including roadside assistance and nationwide towing.

Here are the different levels of Motorbike Breakdown cover insurance to consider: