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.

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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.

Written By: PolicyBazaar - Updated: 23 February 2022
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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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