Rider accident insurance

On-demand rider insurance that protects them while working

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Offer the security they deserve

While they enjoy the flexibility they value

Worry-free riding

With all the riding experience - and all the safety information meal delivery services provide - accidents can still happen. This is why we designed one of the best accident insurance packages available, to fit the needs of a rider.

Automatically, from the moment they go online

Riders are covered automatically from the time they go online. Whenever they are on the road they will not have to worry about supporting themselves and their earnings in the event of an accident.

Rider accident insurance and income protection

Wherever they go

Medical expenses
+
Temporary incapacity
+
Permanent incapacity


Accidental Death

Funeral Benefit

Loss of sight in one eye

Loss of sight in both eyes

Loss of a limb

Permanent Total Incapacity

Temporary Total Incapacity from an Bodily Injury due to an Accident

Quadriplegia

Paraplegia

Loss of hearing in both ears

Loss of hearing in one ear

Total and permanent loss of speech

Loss of use of shoulder or elbow

Loss of use of hip, wrist, knee or ankle

Loss of use of the whole lower jaw

Loss of use of kidney

Benefits
€50,000
€3,000
€15,000
€30,000
€50,000
€50,000
Worked ≥ 60 days
75% of the insured person’s average gross daily income or € 50 per day (whichever is lower) for up to 30 days.
Worked < 60 days
€ 25 per day for up to maximum € 150.
You are a substitute
€ 25 up to maximum € 150 (max 6 days).
Waiting Period: 7 days
Min of 1 delivery over the last 30 days
€100,000
€100,000
€30,000
€7,500
€30,000
€15,000
€9,000
€13,500
€7,500

Currently live at

Support center

Belgium
Ireland
Netherlands
Spain

Important information

ELIGIBILITY CRITERIA:
The Insured Person is eligible for cover under this Master Policy if:
  • they are under 70 years of age;
  • they are legally resident and permitted to Work in the country of operation as per the Appendices in the Master Policy Schedule;
  • they are affiliated to a social security;
  • they hold a valid rider supplier agreement with the Master Policyholder and/or Affiliated Companies to undertake deliveries;
  • they undertook at least one delivery over the last 30 days;
  • they ensure they maintain and only use their means of transport if it is in a roadworthy condition;
  • they comply with regulations imposed by any lawfully authority;
  • they exercise due skill and care when making deliveries on behalf of the Master Policyholder and/or Affiliated Companies.
The substitute is eligible for cover under this Master Policy, and is, therefore, deemed an Insured Person, if he/she has been approved by an Insured Person, meets the requirements of the Insured Person’s valid rider supplier agreement and satisfies the Eligibility criteria stipulated above.
WHAT IS INSURED:
Within the geographical limits and operative time, the Deliveroo riders are covered whilst using his cycle or by foot, for:
  • Accidental Death: €50,000
  • Funeral Benefit: €3,000
  • Loss of sight in one eye: €15,000
  • Loss of sight in both eyes: €30,000
  • Loss of limbs: €30,000
  • Loss of use of one thumb: €4,800
  • Loss of use of one forefinger: €3,600
  • Loss of use of any other finger: €2,400
  • Loss of use of one big toe: €3,600
  • Loss of use of any other toe: €900
  • Permanent Total Incapacity: €50,000
  • Temporary Total Incapacity from a Bodily Injury due to an Accident:
    75% of the Insured Person’s average Gross Daily Income (from the Master Policyholder and/or Affiliated Companies) or €50 per day (whichever is lower)) for up to 30 days from the date of the Bodily Injury.
  • If the Insured Person has been contracted with the Master Policyholder and/or Affiliated Companies for less than 60 days at the date of Bodily Injury the amount of €25 per day up to maximum €150 shall be payable from the date of the Bodily Injury.
  • If the Insured Person is a substitute at the date of the Bodily Injury, then the amount of €25 shall be payable up to a limit of 6 days from the date of the Bodily Injury.
  • Quadriplegia: €50,000
  • Paraplegia: €50,000
  • Loss of hearing in both ears: €30,000
  • Loss of hearing in one ear: €7,500
  • Total and permanent loss of speech: €30,000
  • Loss of use of shoulder or elbow: €15,000
  • Loss of use of hip, wrist, knee or ankle: €9,000
  • Loss of use of the whole lower jaw: €13,500
  • Loss of use of kidney: €7,500
WHERE ARE RIDERS COVERED
The coverage is applicable in the country of operation.
SUPPORTING DOCUMENTS
In case of a claim the Deliveroo rider must inform us, as soon as possible and in any case within 8 days and:
  • Provide proof of his identity.
  • Provide the evidence, assistance, and cooperation to the risk carrier and/or Qover to establish the circumstances surrounding the damage and help to obtain witness statements or other such reports.
  • Send us any claim, writ or summons as soon as it is received.
  • Notify us in writing of any impending prosecution inquest or fatal accident inquiry as soon as the Deliveroo rider become aware of it.

Document repository

Important information

ELIGIBILITY CRITERIA:
The Insured Person is eligible for cover under this Master Policy if:
  • they are under 70 years of age;
  • they are legally resident and permitted to Work in the country of operation as per the Appendices in the Master Policy Schedule;
  • they are affiliated to a social security;
  • they hold a valid rider supplier agreement with the Master Policyholder and/or Affiliated Companies to undertake deliveries;
  • they undertook at least one delivery over the last 30 days;
  • they ensure they maintain and only use their means of transport if it is in a roadworthy condition;
  • they comply with regulations imposed by any lawfully authority;
  • they exercise due skill and care when making deliveries on behalf of the Master Policyholder and/or Affiliated Companies.
The substitute is eligible for cover under this Master Policy, and is, therefore, deemed an Insured Person, if he/she has been approved by an Insured Person, meets the requirements of the Insured Person’s valid rider supplier agreement and satisfies the Eligibility criteria stipulated above.
WHAT IS INSURED:
Within the geographical limits and operative time, the Deliveroo riders are covered whilst using his cycle or by foot, for:
  • Accidental Death: €50,000
  • Funeral Benefit: €3,000
  • Loss of sight in one eye: €15,000
  • Loss of sight in both eyes: €30,000
  • Loss of limbs: €30,000
  • Loss of use of one thumb: €4,800
  • Loss of use of one forefinger: €3,600
  • Loss of use of any other finger: €2,400
  • Loss of use of one big toe: €3,600
  • Loss of use of any other toe: €900
  • Permanent Total Incapacity: €50,000
  • Temporary Total Incapacity from a Bodily Injury due to an Accident:
    75% of the Insured Person’s average Gross Daily Income (from the Master Policyholder and/or Affiliated Companies) or €50 per day (whichever is lower)) for up to 30 days from the date of the Bodily Injury.
  • If the Insured Person has been contracted with the Master Policyholder and/or Affiliated Companies for less than 60 days at the date of Bodily Injury the amount of €25 per day up to maximum €150 shall be payable from the date of the Bodily Injury.
  • If the Insured Person is a substitute at the date of the Bodily Injury, then the amount of €25 shall be payable up to a limit of 6 days from the date of the Bodily Injury.
  • Quadriplegia: €50,000
  • Paraplegia: €50,000
  • Loss of hearing in both ears: €30,000
  • Loss of hearing in one ear: €7,500
  • Total and permanent loss of speech: €30,000
  • Loss of use of shoulder or elbow: €15,000
  • Loss of use of hip, wrist, knee or ankle: €9,000
  • Loss of use of the whole lower jaw: €13,500
  • Loss of use of kidney: €7,500
WHERE ARE RIDERS COVERED
The coverage is applicable in the country of operation.
SUPPORTING DOCUMENTS
In case of a claim the Deliveroo rider must inform us, as soon as possible and in any case within 8 days and:
  • Provide proof of his identity.
  • Provide the evidence, assistance, and cooperation to the risk carrier and/or Qover to establish the circumstances surrounding the damage and help to obtain witness statements or other such reports.
  • Send us any claim, writ or summons as soon as it is received.
  • Notify us in writing of any impending prosecution inquest or fatal accident inquiry as soon as the Deliveroo rider become aware of it.

Document repository

Important information

ELIGIBILITY CRITERIA:
The Insured Person is eligible for cover under this Master Policy if:
  • they are under 70 years of age;
  • they are legally resident and permitted to Work in the country of operation as per the Appendices in the Master Policy Schedule;
  • they are affiliated to a social security;
  • they hold a valid rider supplier agreement with the Master Policyholder and/or Affiliated Companies to undertake deliveries;
  • they undertook at least one delivery over the last 30 days;
  • they ensure they maintain and only use their means of transport if it is in a roadworthy condition;
  • they comply with regulations imposed by any lawfully authority;
  • they exercise due skill and care when making deliveries on behalf of the Master Policyholder and/or Affiliated Companies.
The substitute is eligible for cover under this Master Policy, and is, therefore, deemed an Insured Person, if he/she has been approved by an Insured Person, meets the requirements of the Insured Person’s valid rider supplier agreement and satisfies the Eligibility criteria stipulated above.
WHAT IS INSURED:
Within the geographical limits and operative time, the Deliveroo riders are covered whilst using his cycle or by foot, for:
  • Accidental Death: €50,000
  • Funeral Benefit: €3,000
  • Loss of sight in one eye: €15,000
  • Loss of sight in both eyes: €30,000
  • Loss of limbs: €30,000
  • Loss of use of one thumb: €4,800
  • Loss of use of one forefinger: €3,600
  • Loss of use of any other finger: €2,400
  • Loss of use of one big toe: €3,600
  • Loss of use of any other toe: €900
  • Permanent Total Incapacity: €50,000
  • Temporary Total Incapacity from a Bodily Injury due to an Accident:
    75% of the Insured Person’s average Gross Daily Income (from the Master Policyholder and/or Affiliated Companies) or €50 per day (whichever is lower)) for up to 30 days from the date of the Bodily Injury.
  • If the Insured Person has been contracted with the Master Policyholder and/or Affiliated Companies for less than 60 days at the date of Bodily Injury the amount of €25 per day up to maximum €150 shall be payable from the date of the Bodily Injury.
  • If the Insured Person is a substitute at the date of the Bodily Injury, then the amount of €25 shall be payable up to a limit of 6 days from the date of the Bodily Injury.
  • Quadriplegia: €50,000
  • Paraplegia: €50,000
  • Loss of hearing in both ears: €30,000
  • Loss of hearing in one ear: €7,500
  • Total and permanent loss of speech: €30,000
  • Loss of use of shoulder or elbow: €15,000
  • Loss of use of hip, wrist, knee or ankle: €9,000
  • Loss of use of the whole lower jaw: €13,500
  • Loss of use of kidney: €7,500
WHERE ARE RIDERS COVERED
The coverage is applicable in the country of operation.
SUPPORTING DOCUMENTS
In case of a claim the Deliveroo rider must inform us, as soon as possible and in any case within 8 days and:
  • Provide proof of his identity.
  • Provide the evidence, assistance, and cooperation to the risk carrier and/or Qover to establish the circumstances surrounding the damage and help to obtain witness statements or other such reports.
  • Send us any claim, writ or summons as soon as it is received.
  • Notify us in writing of any impending prosecution inquest or fatal accident inquiry as soon as the Deliveroo rider become aware of it.

Document repository

Important information

ELIGIBILITY CRITERIA:
The Insured Person is eligible for cover under this Master Policy if:
  • they are under 70 years of age;
  • they are legally resident and permitted to Work in the country of operation as per the Appendices in the Master Policy Schedule;
  • they are affiliated to a social security;
  • they hold a valid rider supplier agreement with the Master Policyholder and/or Affiliated Companies to undertake deliveries;
  • they undertook at least one delivery over the last 30 days;
  • they ensure they maintain and only use their means of transport if it is in a roadworthy condition;
  • they comply with regulations imposed by any lawfully authority;
  • they exercise due skill and care when making deliveries on behalf of the Master Policyholder and/or Affiliated Companies.
The substitute is eligible for cover under this Master Policy, and is, therefore, deemed an Insured Person, if he/she has been approved by an Insured Person, meets the requirements of the Insured Person’s valid rider supplier agreement and satisfies the Eligibility criteria stipulated above.
WHAT IS INSURED:
Within the geographical limits and operative time, the Deliveroo riders are covered whilst using his cycle or by foot, for:
  • Accidental Death: €50,000
  • Funeral Benefit: €3,000
  • Loss of sight in one eye: €15,000
  • Loss of sight in both eyes: €30,000
  • Loss of limbs: €30,000
  • Loss of use of one thumb: €4,800
  • Loss of use of one forefinger: €3,600
  • Loss of use of any other finger: €2,400
  • Loss of use of one big toe: €3,600
  • Loss of use of any other toe: €900
  • Permanent Total Incapacity: €50,000
  • Temporary Total Incapacity from a Bodily Injury due to an Accident:
    75% of the Insured Person’s average Gross Daily Income (from the Master Policyholder and/or Affiliated Companies) or €50 per day (whichever is lower)) for up to 30 days from the date of the Bodily Injury.
  • If the Insured Person has been contracted with the Master Policyholder and/or Affiliated Companies for less than 60 days at the date of Bodily Injury the amount of €25 per day up to maximum €150 shall be payable from the date of the Bodily Injury.
  • If the Insured Person is a substitute at the date of the Bodily Injury, then the amount of €25 shall be payable up to a limit of 6 days from the date of the Bodily Injury.
  • Quadriplegia: €50,000
  • Paraplegia: €50,000
  • Loss of hearing in both ears: €30,000
  • Loss of hearing in one ear: €7,500
  • Total and permanent loss of speech: €30,000
  • Loss of use of shoulder or elbow: €15,000
  • Loss of use of hip, wrist, knee or ankle: €9,000
  • Loss of use of the whole lower jaw: €13,500
  • Loss of use of kidney: €7,500
WHERE ARE RIDERS COVERED
The coverage is applicable in the country of operation.
SUPPORTING DOCUMENTS
In case of a claim the Deliveroo rider must inform us, as soon as possible and in any case within 8 days and:
  • Provide proof of his identity.
  • Provide the evidence, assistance, and cooperation to the risk carrier and/or Qover to establish the circumstances surrounding the damage and help to obtain witness statements or other such reports.
  • Send us any claim, writ or summons as soon as it is received.
  • Notify us in writing of any impending prosecution inquest or fatal accident inquiry as soon as the Deliveroo rider become aware of it.

Document repository

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Qover SA/NV
Rue du Commerce, 31
1000 Brussels
RPM: BE0650.939.878
FSMA: 0650.939.878

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The information given on this website is for information purposes only and is therefore not binding. It is the customer’s responsibility to read fully the General Policy Conditions of our products and to make carefully considered decisions. © 2020 Qover SA/NV – RPM 0650.939.878 – FSMA 0650.939.878 All rights reserved.