How to choose the right scooter insurance for you

Written by Steve Cook

Published on

The type of scooter insurance you need depends on a few things, like what you use your scooter for, and how often you use it. By choosing the right option upfront, you can save you a significant amount of money (and hassle) over the long run.

When you take out scooter insurance with us, you get to pick from a range of policies designed specifically for food and parcel delivery riders.

Here’s a quick guide to your options.

1. Pay-as-you-go scooter insurance

With this type of policy, you only pay for the hours you work. This makes it ideal for temporary or short-term delivery riders, or those looking for cover without the commitment.

Plans start at just £0.50 per hour for basic third party protection. You get cover for hire and reward (H&R for short), which means you’re insured to carry parcels and fast food deliveries in exchange for money.

To use this policy, you’ll also need social, domestic and pleasure insurance. Which leads us nicely to our next option…

2. SD&P scooter insurance

Our social, domestic and pleasure (SD&P) insurance covers you for personal trips, like riding to the shops, to visit friends, or between delivery shifts.

You can only buy this policy when you take out our pay-as-you-go insurance, as you need it to make sure you’re fully covered whenever you ride.

SD&P policies are available by the month (30-day) or by the year (Annual), with 30-day policies starting from just £23 a month.

Combo scooter insurance

Our final option for scooter riders is our Combo plan, which includes both hire and reward (H&R) and social, domestic and pleasure (SD&P) insurance. This means you’re fully covered for delivery work and personal riding with one simple policy.

Again, this insurance is available as a 30-day or Annual policy. It’s a great option for scooter delivery riders looking to work on a regular basis throughout the year.

Head to our scooter insurance page to learn more about all our policies.

Top tips for choosing scooter insurance

  1. If you only work a few hours each week, look for pay-as-you-go cover — it gives you extra flexibility to pay only when you need to.
  2. If you plan to work throughout the year, an annual policy could offer better value over the long run.
  3. Make sure you get the right level of cover — third party only covers other vehicles and drivers, while fully comprehensive protects you, too.
  4. Check the excess amount of each policy — it’s the amount you’ll need to pay upfront if you’re involved in an accident.
  5. Choose a reputable brand that specialises in the type of riding and delivery work you do.

Ready to get a quote?

It only takes a minute and it doesn’t cost a thing! Simply download the Zego Delivery app and tell us a few details about you and your scooter. We’ll give you a personalised price right away.

Get a quote now.