If you use your motorcycle to deliver goods, food, or packages for payment, standard motorcycle insurance won’t cover you. However, motorcycle courier insurance will. Motorcycle courier insurance protects riders from liability, accidents, and legal risks while making deliveries.
Many delivery platforms and employers require this insurance before allowing riders to work. Without this coverage, a work-related accident could leave you responsible for damages, legal fees, or medical expenses.
This guide explains what motorcycle courier insurance covers, why you need it, and how to get the best policy at an affordable rate.
What Does Motorcycle Courier Insurance Cover?
Motorcycle courier insurance consists of several essential coverage types that protect both the rider and the business. Understanding these coverage options ensures you get the right protection for your needs.
Hire and Reward (H&R) Coverage
This is the foundation of motorcycle courier insurance. It legally allows you to transport goods for payment. Without this coverage, using your motorcycle for deliveries could void a standard personal insurance policy and leave you uninsured in the event of an accident.
Third-Party Liability Coverage
If you cause an accident that results in injury to another person or damage to their property, third-party liability coverage helps cover medical costs, repair bills, and legal fees. This protection prevents costly out-of-pocket expenses in the event of a claim.
Comprehensive and Collision Coverage
This coverage protects your own motorcycle, covering damages from accidents, theft, vandalism, or fire. Since motorcycle couriers spend extended hours on the road, the risk of an accident or theft is significantly higher, making this coverage a crucial component of a well-rounded policy.
Goods in Transit Insurance
If you’re transporting goods, this coverage protects packages against theft or damage while in transit. If you’re handling valuable items, Goods in Transit insurance ensures financial security in case of loss or damage.
Employer’s Liability Insurance
If you run a courier business and hire riders, this coverage is essential. If an employee is injured while working, Employer Liability Insurance helps cover medical expenses and legal claims, ensuring the business remains financially protected.
What’s NOT Covered?
While motorcycle courier insurance offers extensive protection, it doesn’t cover everything. Most policies are designed strictly for work-related riding. This means motorcycle riders need a separate Social, Domestic & Pleasure (SD&P) policy for personal use. Motorcycle courier insurance also does not cover routine mechanical breakdowns or maintenance costs.
If you’re delivering high-value goods like electronics or luxury items, we recommend you add Goods in Transit insurance to your plan. Understanding these limitations helps you choose the right level of protection.
How Much Does Motorcycle Courier Insurance Cost?
The cost of motorcycle courier insurance depends on a few key factors. Your experience and riding history play a big role, as riders with clean records typically get lower premiums. The type of motorcycle you use also matters. Higher-powered bikes tend to be more expensive to insure.
Coverage level impacts pricing as well. Opting for comprehensive insurance with additional protections costs more but provides better financial security. Location is another factor. If you operate in a high-traffic area or a region with high theft rates, your premiums may be higher.
There are ways to save on your policy. For instance, installing security features like locks or GPS trackers can lower your rates. Choosing a lower-powered bike for deliveries can also help, as can limiting your riding hours in high-risk areas. You should get multiple quotes before committing to a policy to ensure the best deal. Insured ASAP can help you do this.
How to Get the Best Motorcycle Courier Insurance
Finding the right policy doesn’t have to be complicated. Start by comparing providers. Rates vary, so shopping around can help you secure the best price. If you work for a delivery platform, check their insurance requirements to ensure your policy meets their standards.
Bundling policies from the ground up will also help you save money. Some insurers offer discounts when you combine courier insurance with personal motorcycle insurance. Finally, working with an insurer specializing in courier coverage ensures you get a policy tailored to your specific risks and needs.
Get Motorcycle Courier Coverage Today with Insured ASAP
If you’re a motorcycle courier, the right insurance is essential. Insured ASAP offers affordable and reliable coverage tailored to your needs, comparing rates from top providers to get you the best deal. With affordable rates, quick quotes, and expert support, we make it easy to get the coverage you need—whether you’re a full-time courier or a part-time gig worker. For more information or a free quote, call us today at (800) 641-7488. You can also get a quote online.
