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Delivering food via a bike or scooter is not for the faint-hearted. Your insurance shouldn't be either.
The business of motorcycle-based food delivery services in South Africa is growing fast, offering consumers a world of convenience while creating job opportunities. Running a motorbike food delivery service is a great way to BYOB (no, that's not 'bring your own bottle'... it's 'be your own boss'!), especially if you're gifted with an entrepreneurial spirit. You'll get to set your own hours and determine your level of input based on your goals.
Food delivery platforms such as UberEats and MrD typically require you to have personal insurance in place before they'll consider your application to partner as a motorcycle food carrier. However, it's important to understand the difference between personal and commercial Motorcycle Insurance.
When you use your motorcycle for work purposes (ie, to generate an income), you need commercial motorcycle insurance as your coverage needs are different to those of someone who uses their motorcycle for personal and/or recreational needs. For example, as a motorcycle food carrier, you're likely to be on the road more often, for longer stretches of time and late into the night, all of which increase your risk profile considerably.
When choosing an insurer, be sure to disclose how you'll be using your motorcycle. This will prevent a situation in which your claim (the application you make to your insurer for payment when something goes wrong) is not honoured when you need it most.
From South Africa’s leading providers
“Motorbike food delivery insurance is essential for any courier service that relies on scooters or motorcycles.”
Running a food delivery service on two wheels brings unique risks—traffic accidents, theft of goods, and liability for third-party damage. That’s why business insurance is crucial. When you compare quotes, focus on coverage for rider liability, goods-in-transit, theft, and comprehensive damage protection to find the best policy for your business model.
Operating a food delivery fleet means juggling tight timeframes and navigating busy streets—any incident can disrupt service and damage your reputation. Whether you’re a solo rider or manage a multi-bike operation, the right insurance ensures you can:
Comprehensive Motorcycle Insurance is a catch-all insurance product that will add much-needed resilience to your food delivery business. It protects you in the event that your bike is involved in an accident and causes damage to the vehicle.
As a wholly inclusive insurance product, it includes third-party coverage, which is important if you are liable for the death or injury of someone else and/or damage to someone else's property. It also offers fire and theft cover for the cost of repairing or replacing your treasured money-making vehicle. In short, it covers all your bases.
Your premium depends on factors such as:
Tip: Installing GPS trackers, locking mechanisms, and secure parking solutions can attract insurer discounts.
Hippo.co.za helps you compare multiple motorbike delivery insurance quotes in minutes. Over 1.3 million business quotes processed yearly means you save time and money on essential covers.
“Hippo.co.za found me an excellent courier cover that included goods-in-transit—saved me R3 500 a year!” – Thabo
“Quick, easy comparison for my two-bike fleet. Excellent premiums.” – Lerato
Get tailored offers and secure your delivery service today. Get a business insurance quote.
When a rider is on the road, there’s always a chance of accidents or damage to third parties. Delivery liability insurance protects you against:
Yes—consider these tactics:
Accidents happen — it's a part of life
The reality of being on the road as often as a motorcycle food carrier means accepting that injury, to yourself and/or others, is almost inevitable. The best thing then is to prepare and have the proper insurance in place.
Bodily injury liability insurance will also cover you for legal and financial costs if you're sued for bodily injury caused to others due to your own negligence. Of course, we hope you never need to use this. You should also think about Professional Liability Insurance and Health Insurance (or Medical Aid).
Compare business insurance to review multiple policies tailored for motorbike courier services. Whether you need comprehensive protection or focused liability cover, Hippo.co.za has you covered.
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Secure your food delivery service today and give your riders the protection they deserve!