Indeed, with today’s fast delivery times attributed directly to gig economy platforms, the need for motorcycle courier insurance has transformed from a choice to a must. No matter whether you are a freelance rider for a company like Deliveroo, Uber Eats, Just Eat or if you run your own courier service; without the right insurance policy, a single incident could blow your whole operation out of proportion.
This guide will explain what motorcycle courier insurance is, its difference with standard motorcycle cover, where to compare courier motorcycle insurance, how much it costs, and how to find the best motorcycle courier insurance in the UK.
What is Motorcycle Courier Insurance?
In essence, it is motorbike courier insurance where riders use their machines for ‘haulage’ of goods through ‘delivery’ under arrangements for monetary value.
What Makes It Different from Regular Motorcycle Insurance
Typically, regular insurance will only extend to social, domestic, and pleasure uses. Whereas, courier riders are deemed ‘high risk’ due to the increased mileage, time pressure, and busy urban environments.
“This risk requires a commercial grade policy”
Who Requires It?
- Food delivery riders (e.g. Deliveroo, Uber Eats, Just Eat)
- Parcel couriers (e.g. Amazon Flex, Evri, Hermes)
- Self-employed couriers operating motorbike-based businesses
- Any individual paid to carry goods on a motorcycle
Types of Motorcycle Courier Insurance
These are the most commonly used ones:
1. Third-Party Only (TPO)
- Motor legally according to the bare minimum requirement of the law.
- It will only pay for losses you cause to other people and their property.
- Does not provide coverage for the motorcycle itself or injuries sustained.
2. Third-Party, Fire and Theft (TPFT)
- Incorporates fire and any damage or loss through theft of the motorbike.
3. Fully Comprehensive Courier Travel
- The motor rider, the motorbike, and any other party affected in an accident are all covered.
- Advised if you are making use of your motorcycle for courier services frequently.
4. Merchandise in Transit Cover
- Covers damage or theft of products you’re transporting.
- Usually additional but a must-have for full-time couriers.
5. Public Liability Insurance
- In case someone files a suit against you for injury or loss through your delivery.
- Some insurers combine this with personal accident cover, helmet and leathers protection, and legal expenses.
Compare Courier Motorcycle Insurance – What to Look For
| Feature | What to Check |
| Coverage Type | Goods in transit and liability cover |
| Excess Amount | How much you will be required to contribute in a claim |
| No-Claims Discount | Is it guaranteed? Can it be transferred? |
| Breakdown Cover | Whether the cover is inclusive or available as an extra |
| Multi-bike Option | If more than one bike is used |
| Payout Speed | Courier services should handle claims quickly |
| 24/7 Customer Support | Especially important for night/weekend riders |
Tip: Always compare at least 3–5 providers.
Best Providers of Motorcycle Courier Insurance in the UK (2025)
1. Bikmo Courier Insurance
- Created for delivery riders
- Monthly pay-as-you-go cover
- Includes personal accident and public liability
2. Devitt Courier Insurance
- Coverage for food and parcel couriers
- Optional breakdown cover and replacement bike
3. Lexham Insurance
- Accident and breakdown cover
- Ideal for younger or less experienced riders
4. Zego Insurance
- Partnered with Uber Eats and Deliveroo
- Usage-based flexible cover starting from £0.80p/hour
5. CourierPlan.co.uk
- Exclusive courier policies for part-timers and full-timers
Note: Not all mainstream motorbike insurers cover courier work.
Premium Factors
| Profile | Estimated Monthly Premium |
| 21 years old / Basic bike / City | £140 – £180 |
| 30 years old / Mid-range bike | £90 – £120 |
| 45 years old / Experienced rider | £60 – £90 |
| Zego usage-based hourly cover | £0.80 – £1.50 per hour |
Tip: Parking indoors, Lowjack, and clean driving record can reduce premiums.
Legal Requirements for Motorcycle Couriers in the UK
- Appropriate class of courier insurance
- Valid motorcycle license (provisional + CBT at minimum)
- Roadworthy vehicle with MOT and tax
- High visibility gear
- Possibly a food hygiene rating for hot food delivery
FAQs – Motorcycle Courier Insurance
What is motorcycle courier insurance?
Insurance for riders who deliver goods, covering high-risk riding and goods in transit.
Do I need special insurance for Uber Eats or Deliveroo?
Yes. Regular insurance won’t suffice.
Are there hourly or part-time courier insurance plans?
Yes. Zego and Bikmo offer these.
Do courier insurance policies cover goods?
Not always. You’ll need Goods in Transit cover.
Can I ride someone else’s bike with my courier insurance?
Only if your policy includes that clause.
Is courier insurance available for electric bikes or mopeds?
Yes. Most providers now support this.
Can I transfer my no-claims bonus?
Sometimes. Check with your provider.
How to Find the Best Motorcycle Courier Insurance in the UK
- Define your use case
- Compare courier quotes online
- Choose add-ons carefully
- Stay legally compliant
- Ask for multi-policy deals
- Pay annually if possible
Conclusion – Ride Smart, Stay Covered
Whether you’re just starting or a full-time courier, getting the right insurance isn’t just smart — it’s essential. From third-party to comprehensive policies, make informed choices and protect your income and safety on the road.
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