Is pay-as-you-go delivery insurance right for you?

Written by Benedict Harrison

Published on

How to decide whether pay-as-you-go delivery insurance is right for you.

Whether you’re just starting out as a food delivery or courier driver, or you’re simply looking for cover that works for you, your insurance policy is an important decision. If you can find a policy that works the way you do, you’ll have the protection you need when you’re at work and you can maximise your earnings by reducing your work-related costs.

In this post, we’ll take a look at some of the most important points to consider when you decide if Zego’s pay-as-you-go delivery insurance is right for you. We’ll start by looking at how our cover works and we’ll also show you how you can get started with your quote for pay-as-you-go delivery insurance in less than a minute.

How does pay-as-you-go delivery insurance work?

In short, Zego’s pay-as-you-go delivery insurance covers you just when you’re on shift with one of our partnered work providers. We charge you by the minute with a minimum of one hour’s charge, so you get flexible insurance that works the way you do. You can read a detailed explanation of how our pay-as-you-go insurance charges work here.

You’ll need to have Social, Domestic & Pleasure (SD&P) insurance in place to cover your personal use of your vehicle before you can use our pay-as-you-go Hire & Reward (H&R) cover. You can take out a standard SD&P insurance policy or with another company, but it’s always worth checking with your provider that they’re happy for you to use a top up policy. If your SD&P provider says that they are not happy for you to use a top up policy, there are still a number of steps you can take.

How much does pay-as-you-go delivery insurance cost?

For scooter riders, Zego’s pay-as-you-go delivery insurance costs 70p per hour, or 50p per hour if you also take out your SD&P insurance with Zego.

For car delivery drivers, your hourly rate will be between £0.80 to £3.00 per hour, depending on your individual price.

Download the Zego Delivery app and get a quote – it only takes a minute.

What should you consider before setting up pay-as-you-go delivery insurance?

Firstly, it’s important to think about how many hours of delivery work you expect to carry out each week. Our pay-as-you-go cover is our most cost-effective option for riders and drivers working up to or around 25 hours per week. If you regularly exceed that amount, it may be worth considering a fixed-term, 30-day or Annual policy.

It’s also worth checking that any delivery insurance companies you’re looking to work with are integrated with Zego. We can only offer our pay-as-you-go cover when you work with our partnered work providers.

Finally, if you’re looking to use our pay-as-you-go H&R cover on top of your existing SD&P cover, you should always check this with your insurer. At Zego, we’re happy for you to hold a SD&P policy with any company.

For more information, you can visit our scooter insurance or car delivery insurance pages. If you have any questions, please get in touch with our team and we’ll be happy to help.