Motorbike Insurance for Food Delivery Bikes in India

As the online food delivery business is booming, we see many bike riders are delivering food for companies like Zomato, Swiggy, and Uber Eats. If you are a rider and using your motorbike or scooter for food delivery, then you must have the right motorbike insurance policy. Read this article to understand why you need motorbike insurance if you are a food delivery driver.

Read more
  • Save up to 85% by comparing plans
    Save up to 85%# by comparing plans
  • 20+ Insurers to choose from
    20+ Insurers to choose from
  • 1.2 Crore+ Bike Insured
    1.2 Crore+ Bike Insured
Two Wheeler Top Fold Kapil Sharma Image
No paperwork required! Renew insurance in 60 seconds^

Plans starting at only @ ₹1.3/day*

Enter bike number (e.g DL1SB1234)
Processing
 

Road Risk Associated with Food Delivery Drivers 

In recent years, India followed a strict COVID-19 lockdown due to which delivery workers for app-based food delivery services like Zomato and Swiggy were recognized as essential services. They worked hard to make people's work from home a sense of normalcy during the lockdown. 

However, we have also heard many cases where delivery boys have lost control over their vehicle and crashed into another vehicle because they were overspeeding and riding recklessly.

In India, according to authorities' reports, on average, five accidents happen in a week due to the reckless driving habit of food delivery partners. Due to this, they are involved in hit-and-run cases. Additionally, there were cases when delivery drivers were getting caught because of drunk driving & parking vehicles in no parking zones, and violating laws. 

Apart from these points, they have vigorous competition with rival companies, and the deadline of 30 minutes’ food delivery forces them to take this risk. Additionally, they have the arduous task of accomplishing their minimum daily target of delivering 17 orders, which is why they aim at delivering the food as fast as possible.

Consequences of Not Having Motorbike Insurance for Your Food Delivery Vehicle

Whether you are self-employed or deliver food by yourself from your restaurant, or even work in any food delivery company like Zomato, Swiggy, or Uber Eats, you must have to insure your bike with the right motorbike insurance cover.

If you don't have an insurance policy covering all the damages that might arise during an accident, then you have to pay for all the expenses on the repair, and it can turn into a financial disaster. Also, if any third party gets injured during the accident, you could have to bear his expenses in the form of compensation claims.

While riding your bike for delivering food and not having the right motorbike insurance, you could end up paying hefty fines, threaten your driving license, or it can be even worse as you might end up in prison for up to 3 months. The traffic police are well aware of the negligence of food delivery drivers towards traffic rules and laws, so they are an easy spot to get caught.

Why Motorbike Insurance is Necessary for Food Delivering Vehicles?

Are you planning to become a delivery driver? Well, make sure to have the right type of motorbike insurance. In India, several insurance companies are offering you two types of covers i.e. third-party motorbike insurance and comprehensive motorbike insurance for protecting your vehicle and transporting goods, including fast foods, groceries, and other orders.

You can purchase motorbike insurance cover from many options available on the internet, but we will suggest comparing motorbike insurance online before choosing the right one. Compare them on the basis of robust coverage options, affordable premiums, after-sales services, high policy limits, and easy purchasing options. 

Pros of Buying Motorbike Insurance Policy for Your Delivery Bike

Below we have mentioned a few perks of having a motorbike insurance cover for your delivery bike-

  • The comprehensive motorbike insurance for delivery drivers comes with an option to buy a variety of add-ons like roadside assistance, NCB protection, etc.
  • A perfect choice for food delivery drivers who are associated with brands like Zomato, Swiggy, or Uber Eats.
  • It covers most of the geographical areas. 
  • Compare, choose, and buy third-party motorbike insurance or comprehensive motorbike insurance cover online.

Guide for Buying Motorbike Insurance for Your Delivery Bike 

Many insurance companies do not offer any coverage for the delivery bikes, as deliveries are made in the hustle and take more risks on the road. Though, there are insurance companies who willingly offer motorbike insurance for these bikes at an affordable premium. 
Below we have discussed a few points to guide you in making a wise choice.

1. Pricing- You get various pricing quotes when you search for motorbike insurance on the internet. So, you must compare them and see which company can offer you more coverage at the lowest premium.

2. Coverage- You must ensure that you get the right coverage in your policy. This is a vital factor to keep in mind while comparing different policies.

3. Industry- Some insurance companies restrict some industries or particular businesses from providing coverage. So, make sure your type of delivery business is covered before buying your motorbike insurance.

4. Geographical Restriction- Some insurers do not offer PAN India coverage. Therefore, you must consider this before buying a policy.

Drivers Who Are Eligible for Motorbike Insurance Cover

Whether you are an employee of any online food delivery brand or a contracted driver for a local business or you make deliveries on-demand, you are eligible to buy motorbike insurance for your bike. Though under this, you might not avail benefits of personal accident cover. So, make sure you ask your insurer whether a delivery driver is protected under this or not. If not, then which add-on covers you can buy to get protection. 

Final Thoughts

Now you have understood how motorbike insurance works for food delivery partners in India and can buy bike insurance cover accordingly. All you have to do is search on google, get different price and coverage quotes from insurers so that you can buy a plan according to your needs & budget.

Search
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Two Wheeler insurance articles

Recent Articles
Popular Articles
10 Best Bikes for Long Rides in India 2024

07 May 2024

Are you the one who want to cruise through the winding roads of
Read more
MCWG Driving License in India

01 May 2024

To regulate and ensure safe operation, every motorbike owner in
Read more
9 Tips to Maintain Your Bike's Engine

22 Apr 2024

Since the engine is your bike's heart, it is essential to keep
Read more
Best Engine Oil for Bikes in India 2024

18 Apr 2024

In the fast-paced world of biking, you must ensure your riding
Read more
How to Check Bike Owner Details by Registration Number?

11 Apr 2024

In a world full of different types of two-wheelers, each one has
Read more
Vehicle Owner Details by Registration Number
Vehicle owner details can come in handy in various situations, such as road accidents, cases of reckless driving
Read more
Three Easy Ways to Check Bike Insurance Expiry Date Online
As significant as it is to buy a bike insurance policy for your motorbike, it is equally important to renew it
Read more
How to Check Bike Owner Details by Registration Number?
In a world full of different types of two-wheelers, each one has its unique identity enclosed in its registration
Read more
How to Get Bike Insurance Details by Registration Number?
According to the IRDA, all bike owners must hold at least a third-party bike insurance policy in India. The bike
Read more
Get Your Vehicle Fitness Certificate from RTO
The Fitness Certificate (FC) of a vehicle is an official document that certifies the vehicle is fit enough to run
Read more

^The renewal of insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for a transaction may vary subject to additional data requirements and operational processes.

^The buying of Insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for transaction may vary subject to additional data requirements and operational processes.

#Savings are based on the comparison between highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*TP price for less than 75 CC two-wheelers. All savings are provided by insurers as per IRDAI-approved insurance plan. Standard T&C apply.

*Rs 538/- per annum is the price for third party motor insurance for two wheelers of not more than 75cc (non-commercial and non-electric)

#Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*₹ 1.5 is the Comprehensive premium for a 2015 TVS XL Super 70cc, MH02(Mumbai) RTO with an IDV of ₹5,895 and NCB at 50%.

*Rs 457/- per annum (1.3/day) is the price for the third-party motor insurance for private electric two-wheelers of not more than 3KW (non-commercial). Premium is payable on an annual basis