Scooter, motorbike and moped insurance for food delivery and courier riders

Flexible cover for delivery workers on 2 wheels. Choose insurance by the hour, month or year to suit the way you work.

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What is pay-as-you-go scooter and motorbike delivery insurance?

What is pay-as-you-go scooter and motorbike delivery insurance?

If you’re a scooter, moped or motorbike delivery rider, our pay-as-you-go hire and reward (H&R) delivery insurance can help you save money on the cost of your cover.

This cover is charged by the minute (with a minimum of 1 hour’s cover), and lets you pause your insurance when you’re not working. It’s a more flexible way to get insured, so it’s great for part-time or seasonal delivery riders.

Learn how our pay-as-you-go delivery insurance works.

Learn more

How does our scooter and motorbike insurance work?

It’s quick and easy to buy delivery insurance with us.

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Choose your cover

Get a quote and select a policy that suits your budget and the way you work.

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Link your account

If you need to link your Zego account with your work provider, you can do it easily in the app.

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You're all set!

Insurance sorted, you’re ready to start earning money as a food delivery or courier rider.

What insurance does a scooter, moped or motorbike delivery rider need?

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To use your scooter, moped, motorbike or e-scooter for delivery or courier work, you must have personal (SD&P) insurance and hire and reward insurance.

Hire and reward insurance is a type of commercial vehicle insurance that allows you to carry food or parcels in return for payment.

Whether you have existing personal insurance or not, we can get you covered with the right scooter policy.

Our policies

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Pay-as-you-go (H&R)

Great for: Part-time food or parcel delivery workers looking for a more flexible type of cover (you’ll need to work with one of our delivery partners**).

Cover: Hire and reward (H&R) cover for delivery work only—you must have existing personal (SD&P) insurance.

Policy options: Third Party Only.

Payment: Top up as you go via the app.

Download & get a quote
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Personal (SD&P)

Great for: Zego customers with an existing pay-as-you-go policy.

Cover: Social, domestic and pleasure (SD&P) insurance for everyday riding, such as trips to the shops or between shifts.

Policy options: Third Party Only.

Payment: Buy in the app (must be bought alongside our pay-as-you-go delivery insurance).

Download & get a quote
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Combo (SD&P + H&R)

Great for: Full-time or seasonal delivery riders, who also use their scooter or motorbike for personal use.

Cover: Vehicle insurance for both delivery work (H&R) and personal riding (SD&P).

Policy options: Third Party, Fire & Theft, Third Party Only or Fully Comprehensive.

Payment: Buy with a single payment online or monthly instalments.

Get a quote

A closer look at our policy options

We offer Third Party Only, Third Party Fire & Theft, and Fully Comprehensive.

Choose our Combo scooter insurance and you'll get:

Third Party Only

Third Party Fire & Theft

Fully Comp

Food and parcel delivery, plus personal riding

Costs for causing damage to other vehicles or property up to £5m

Your legal liability for causing death or injury to other people

Theft of your vehicle and spare parts up to a maximum of £5,000

Loss or damage to your vehicle up to a maximum of £5,000

What's the difference between moped and scooter insurance?

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The main difference between moped and scooter insurance is the cost. Because mopeds have a smaller engine size and slower top speed than scooters, they’re usually considered less risky. The lower the risk, the lower the insurance cost.

Mopeds have an engine size of up to 50cc, and can reach top speeds of around 28mph.

Scooters tend to be more powerful, with the largest engine sizes ranging all the way up to 750cc. So they can go much faster.

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Policy Type

Another thing that can affect the cost is the type of insurance policy you choose.

Third party, fire and theft policies tend to be cheaper as the cover is quite limited — if you’re involved in a collision, only third party drivers are covered for accidental damage or personal injury. Whereas a fully comprehensive policy will cover you and other drivers, and can even include things like breakdown cover.

So before you choose moped or scooter insurance, it’s best to check what’s included in your cover.

Is a Zego scooter & motorbike insurance policy for me?

  • You have a full UK/EU driving license or Compulsory Basic Training (CBT licence) for up to 125cc

  • You’ve had no more than 2 claims in the last 3 years (regardless of fault)

  • You are aged 21 - 65

  • You work for one (or more) of our partnered work providers

  • You live and work in England, Scotland, or Wales

  • Your vehicle’s engine size is 500cc or less (or 125cc or less for pay-as-you-go cover)

What our customers say

In my opinion, Zego is one of the best, easy and most suitable insurers on the market. If you're looking for insurance for your scooter, car or any other vehicle Zego is the right choice.

Sanjay Gurung, Delivery Driver

It's day one and I’m impressed. Spoke with Zego twice today to insure my scooter. Lovely customer service, the staff are friendly and happy to help. I also got the best price I've ever had. Saving £400 this year on insurance. Hope to do business with Zego for a long time!

Gerculy Robert, Scooter Delivery Driver

Why us?

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Flexible cover to suit you

Choose from hourly, monthly or annual delivery insurance. Cover that fits the way you work.

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Earn money your way

Choose which provider you work for, and work with as many as you like. Your earning potential is up to you***.

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You're in safe hands

Commercial insurance is our thing. In fact, over the past 7 years we’ve sold over 58 million policies*.

Frequently asked questions

Learn more about Scooter delivery

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How much does delivery insurance cost?

Whether you work full-time or for just a couple of hours per week, we have a policy for you.

Find out about delivery insurance costs
delivery driver zipping up delivery bag on the back of a scooter

How much do Uber Eats drivers make?

For those considering driving for Uber Eats, the first thing people ask, ‘How much do Uber Eats drivers make?’ Here are the facts.

Find out about Uber Eats driver earnings
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Choosing The Best Scooter For Delivery

We cover some of the most important things to consider when looking for a scooter to use for courier or food delivery work.

Find out about choosing the best scooters for delivery

*Based on the total number of policies sold by Zego until 24/10/23.
**For PAYG Scooter policies you must work with an integrated partner, which include: Deliveroo, Ryde, GoGetters, Vromo, Stuart, Just Eat and Uber Eats.