Moped Delivery Insurance UK: Hire & Reward Explained | Ride Today
Do not ride on assumptions

What insurance do delivery riders need?

For Ride Today riders, food delivery is insured through our setup. Food delivery is insured through our setup. We work with all insurance parties and can insure riders who have a CBT and a valid licence for the selected vehicle. Insurance terms still depend on the policy and the vehicle, so we check your documents and explain the relevant details before handover.

We work with all insurance parties. Tell us which delivery platforms you use so we can check the relevant details with you. We will not ask you to guess at the insurance terms.

Ask for written confirmation: “Does this policy cover me personally, on this exact registered moped, for paid food delivery on the platform(s) I use, including the times I am logged in and waiting for orders?” Do not start work until the answer and policy documents are clear.
Two different questions

Subscription cover versus platform requirements

What the subscription includes

Food delivery is insured through our setup, and we work with all insurance parties. Riders need a CBT and valid licence for the selected vehicle. We will check your documents and go through the hiring agreement with you before you ride.

Review the VS2 listing ↗

What the platform accepts

Deliveroo says it needs proof of appropriate delivery insurance before a rider starts using a motorised scooter for deliveries. Verify the evidence required by your own platform and that the policy documents match the vehicle and rider details you submit.

Read Deliveroo’s guidance ↗
Insurance checklist

Questions to resolve before your first order

  1. Use: Does the policy explicitly cover paid food delivery / hire and reward?
  2. Vehicle: Does it cover the exact registration and vehicle category?
  3. Rider: Are you, as the named or eligible rider, covered under the policy?
  4. Platforms: Are all the apps you work with covered or accepted?
  5. Excess and exclusions: What would you have to pay after damage, theft or an accident?
  6. Evidence: What documents must you upload, and must the platform approve them before you start?
  7. Incidents: What are the steps and deadlines for reporting an accident, theft or claim?

Deliveroo also describes separate accident/income-protection and public-liability benefits, with limits on when some cover applies. Do not confuse these benefits with motor insurance for the scooter itself or assume they replace H&R cover. Read the platform’s current explanation and your actual policy.

FAQs

Moped delivery insurance FAQs

Does normal motor insurance cover Deliveroo work?

Our setup includes insurance for food delivery. We will explain the applicable policy details and confirm your documents before handover.

Does Ride Today include delivery insurance?

The live Ride Today VS2 page lists delivery insurance as included. Confirm the policy wording and whether the chosen subscription and vehicle meet your needs and the platform’s evidence requirements.

Does the platform’s free insurance replace delivery motor insurance?

Not according to Deliveroo’s explanation: its listed personal injury/income protection and public liability cover are separate benefits. Follow the platform’s explicit motor insurance requirements.

Can I work for multiple delivery apps?

Check the wording of the insurance policy and each platform’s requirements. Do not assume cover accepted by one app automatically covers another.

How we help you get ready

Insurance and documents, without the guesswork

Food delivery is insured

Food delivery is insured

Food delivery is insured through our setup. Food delivery is insured through our setup. We work with all insurance parties and can insure riders who have a CBT and a valid licence for the selected vehicle.

Bring your documents

Bring your documents

Bring your CBT certificate where required and a valid licence. We check your documents with you before handover.

Read the hiring agreement together

Read the hiring agreement together

We go through the agreement with you, explain the terms and give you time to ask questions. Read it carefully before signing.

Simple vehicle training

Simple vehicle training

We show you the basics of the moped before you ride. You can visit for free and take a free test ride on our street.

Sources and further reading

Check the details for your situation

We link to official guidance and the relevant product information below. Rules and product offers can change, so use the current official guidance and live subscription terms before riding or ordering.

Ready for your next step?

Compare the options, then ask us what applies to your ride.

Check the current listing and subscription terms. If you are unsure about a detail, message our team before booking.