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How to cover your motorcycle for less

Are you looking for motorcycle courier insurance? When you're working as a motorcycle courier, you must be properly covered by the correct policy. This is because standard insurance tends to exclude courier use, so a specialist policy is a must.

With the correct coverage, you're protected from losing your job as well as your motorbike! But what is it and how do you choose the correct policy? If you're not familiar with this type of insurance it can be confusing.

Don't worry though, we've got all the answers you need right here. For more information on what this insurance offers, take a look at the sections below.

What is motorcycle courier insurance?

Motorbike courier insurance covers you to transport food and other goods, such as parcels, for work using a motorbike. Courier insurance is typically more expensive than standard cover because the insurers will usually deem the courier to be more at risk when using the bike.

This is because a motorbike courier will be riding the bike for longer and they'll be on strict deadlines, meaning they're more likely to drive fast and potentially crash.

Just like motor insurance policies, a motorbike courier insurance policy can come in three levels of cover:

  1. Third-party
  2. Third-party, fire and theft
  3. Fully comprehensive

Hire and reward insurance is another type of insurance that covers people whose livelihood involves transporting passengers or goods in their car or van. It's a type of insurance policy designed for business use.

It typically covers damage and repair costs if you're in an accident, as well as compensation for personal injuries and legal costs.

Hire and reward insurance is legally required for some livelihood types, including taxi drivers, couriers, food delivery drivers and any work involving removals or hauling.


Who needs motorcycle insurance?

Anyone who uses a motorbike for work and transports goods will need bike courier insurance cover. Although specialist courier insurance can be more expensive than a standard one, it's not worth the risk of not having it.

With many people opting to order in from restaurants, food delivery insurance has never been more essential! The premiums may be more, but you'll be glad of them if you're ever involved in an accident.

Why is having motorcycle courier insurance important?

Motorcycle courier insurance is essential if you use your bike for work. If you're in an accident and you don't have the correct policy, your insurance broker won't pay up. Whether you're a fast-food delivery driver or a parcel courier, you'll need motorcycle courier insurance.

The motorcycle insurance will protect you and it means you won't lose your livelihood either. The last thing you want is to be in a bad accident without the correct insurance.


The types of motorbike courier insurance available

With different levels of insurance available, it's important to choose the cover that suits you best. You can usually purchase add-ons as well, such as breakdown and personal injury cover, so you're completely prepared if the worst happens.

Third-party only

Third-party cover compensates others for damages to their property or any injuries sustained in an accident. It's the minimum amount of cover required by law, however, it doesn't cover the cost of damages to your own bike.

It's advisable to have a more comprehensive cover than just this because if it's only you or your bike that's injured or damaged, you won't have any cover.

Third-party, fire, and theft

This motorbike courier insurance includes third-party only and will also cover the costs of any damage to your bike, as well as providing coverage if it's stolen.

Uber Eats insurance is vital for any fast food delivery driver as it's classed as high-risk work and riders without the appropriate coverage are putting themselves and others at risk.


As the name suggests, this is the coverage that offers the most protection. Third-party, as well as fire and theft, are included.

Not only that but if you're involved in an accident, your insurer will pay the repair or replacement costs of your motorcycle, even if you were at fault.

Motorcycle insurance for couriers can vary in price depending on many different factors, for example:

  • Your motorcycle: Typically, more powerful motorcycles will have more expensive insurance as the repair costs would be higher and they're more likely to be stolen.
  • Your age and experience: If you're an able rider, you'll pay less for your premium than a rider who has recently qualified. This is because the insurance company would deem a new rider to be a higher risk, the same as motor insurance.
  • Where you live: If you work or reside in a congested or busy location, the cost is likely to be more. This is because the chance of having a collision is (potentially) higher in a city area than in a more remote location.
  • Your claims history: if you've made any claims in the last five years this could increase the cost of your premiums.
  • When you look at policies, keep in mind that each insurer will have its own terms and conditions, so double-check what is included and what you'd have to pay extra for.

    Really cheap insurance for couriers may be tempting, but there may be lots of exclusions and limits that means you won't be fully protected.

Extras such as breakdown cover can be added to your insurance premium. This ensures that you won't be stranded on the side of the road if your motorcycle breaks down.

Other extras include personal injury, and even helmet and leathers cover. These extras may add up, but they'll ensure you're completely protected.

Couriers and delivery drivers would need contents and personal belongings coverage. This covers any items, parcels or other goods that you're carrying, against damage, loss, or theft.

This type of cover also protects against accidents, for example, if an item falls off the motorcycle and gets lost or damaged.