Rider liability

On-demand insurance that protects riders 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

Wherever they go

Bodily injuries

+

Damage to goods

+

Legal defence


Liability for bodily injury and/or accidental damage

Liability for damage to goods

Pure financial loss

Legal defence

INDEMNITY UP TO
€5,000,000
per claim per year
€5,000
per claim per year
€250,000
per claim per year
€7,500
per claim per year
EXCESS
€150 for material and immaterial damage
No excess for bodily injury
10% min €100
-
-

Currently live at

Support center

Belgium
Ireland
Italy
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 Belgium;
  • 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 pay any Excess;
  • they ensure they maintain and only use their Cycle and/or Electric Cycle 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:
  • The bodily injury and accidental damage caused to a third party: limit of €5.000.000/ claim/year
  • The damage to goods carried out at the time of the damage: limit of €5.000/claim/ year
  • The pure financial loss caused to a third party: limit of €250.000/claim/year
  • Legal defence: limit of €7.500/claim/year
The excess (amount that the riders are responsible for) are the following:
  • Bodily injury, pure financial loss & legal defence: no excess
  • Material & immaterial accidental damage: €250/claim
  • Damage to goods: 10% of the claim with a minimum of €100/claim
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

ELIGIBILTY 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 Belgium;
  • 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 pay any Excess;
  • they ensure they maintain and only use their Cycle and/or Electric Cycle 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:
  • The bodily injury and accidental damage caused to a third party: limit of €5.000.000/ claim/year
  • The damage to goods carried out at the time of the damage: limit of €5.000/claim/ year
  • The pure financial loss caused to a third party: limit of €250.000/claim/year
  • Legal defence: limit of €7.500/claim/year
The excess (amount that the riders are responsible for) are the following:
  • Bodily injury, pure financial loss & legal defence: no excess
  • Material & immaterial accidental damage: €250/claim
  • Damage to goods: 10% of the claim with a minimum of €100/claim
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

ELIGIBILTY 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 Belgium;
  • 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 pay any Excess;
  • they ensure they maintain and only use their Cycle and/or Electric Cycle 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:
  • The bodily injury and accidental damage caused to a third party: limit of €5.000.000/ claim/year
  • The damage to goods carried out at the time of the damage: limit of €5.000/claim/ year
  • The pure financial loss caused to a third party: limit of €250.000/claim/year
  • Legal defence: limit of €7.500/claim/year
The excess (amount that the riders are responsible for) are the following:
  • Bodily injury, pure financial loss & legal defence: no excess
  • Material & immaterial accidental damage: €250/claim
  • Damage to goods: 10% of the claim with a minimum of €100/claim
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

ELIGIBILTY 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 Belgium;
  • 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 pay any Excess;
  • they ensure they maintain and only use their Cycle and/or Electric Cycle 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:
  • The bodily injury and accidental damage caused to a third party: limit of €5.000.000/ claim/year
  • The damage to goods carried out at the time of the damage: limit of €5.000/claim/ year
  • The pure financial loss caused to a third party: limit of €250.000/claim/year
  • Legal defence: limit of €7.500/claim/year
The excess (amount that the riders are responsible for) are the following:
  • Bodily injury, pure financial loss & legal defence: no excess
  • Material & immaterial accidental damage: €250/claim
  • Damage to goods: 10% of the claim with a minimum of €100/claim
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

ELIGIBILTY 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 Belgium;
  • 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 pay any Excess;
  • they ensure they maintain and only use their Cycle and/or Electric Cycle 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:
  • The bodily injury and accidental damage caused to a third party: limit of €5.000.000/ claim/year
  • The damage to goods carried out at the time of the damage: limit of €5.000/claim/ year
  • The pure financial loss caused to a third party: limit of €250.000/claim/year
  • Legal defence: limit of €7.500/claim/year
The excess (amount that the riders are responsible for) are the following:
  • Bodily injury, pure financial loss & legal defence: no excess
  • Material & immaterial accidental damage: €250/claim
  • Damage to goods: 10% of the claim with a minimum of €100/claim
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.