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Motorbike insurance for food delivery bikes in India

Team AckoJan 17, 2024

Online food delivery has enabled us to fulfill our food cravings from the comfort of our homes. Although we order online, it is the food delivery men and women who physically bring us our food. Unfortunately, there are risks associated with food delivery. If you are a food delivery professional, you may be aware of these risks. Thus, financial protection against accidental scenarios is crucial. To address this, we will be discussing two-wheeler insurance for food delivery bikes in India.




What does motorbike insurance for food delivery bikes mean?

As you may be aware, the term insurance refers to the financial protection provided by an insurer in exchange for a specified premium. The protection may be against damage, loss, illness or death. However, in the context of two-wheeler insurance, it is limited only to damage or loss incurred by a two-wheeler. Since food delivery bikes are used extensively, the risk of incurring accidental damages is high. That is why two-wheeler insurance is both applicable and necessary for food delivery bikes.

Is there a need for food delivery scooter insurance?

Following the Government-mandated COVID-19 lockdown, online food delivery was authorised as an essential service. Thus, it is likely that food delivery orders may have increased since then. This increase in demand may have also caused companies to employ more people for the job, increasing the probability of road accidents.  

Apart from this, since there are a lot of players in the online food delivery business now, there is also a lot of competition. Consequently, it is likely that as a delivery partner you may have to meet tight deadlines to stand out from the competition. Additionally, you may also have to fulfill the burden of reaching a target of a fixed number of deliveries a day.

All of these factors may cause you to take risks while riding. And this may drastically increase the probability of you encountering an accident. If you do unfortunately meet with an accident, it can be emotionally and financially draining. That is why it is paramount that you buy vehicle insurance in advance. It is also a legal requirement in India. 

Different types of insurance available for food delivery bikes

In India, there are usually only two types of two-wheeler insurance plans sold by insurers for food delivery bikes. They are Third-party Bike Insurance and Comprehensive Bike Insurance. Let us discuss each briefly.

Third-party Bike Insurance Plan: Usually, this is the elementary bike insurance offered for food delivery bikes. It also happens to be legally mandatory. It covers injuries, death or property damages to a third party. However, coverage does not include damages to the insured food delivery bike.

Comprehensive Bike Insurance Plan: This plan offers an Own Damage (OD) cover as well as the coverages available under a Third-party Bike Insurance Plan. Under OD cover financial compensation is provided for accidental damages and damages that may result from natural and man-made calamities.

Personal Accident (PA) cover: A PA cover is not a bike insurance plan. However, it is mandated by law. It offers monetary compensation in the unfortunate event of accidental disability or death occurring to the insured. However, it is not an inclusion under food delivery motorbike insurance. And so, may have to be bought separately.

Benefits of buying motorbike insurance for delivery bikes

As mentioned earlier, riding food delivery bikes on Indian roads comes with its risks. Since driving is a big part of the food delivery job, the chances of risk are also high. If you do unfortunately encounter an accident, apart from the stress of the accident, you will also have to bear a huge financial burden.

To avoid such a situation, it is always wise to preemptively buy motorcycle insurance for your food delivery bike. That way, you need not feel financially stressed if you incur own damages or third-party liabilities due to an accident. This will help you focus on your work and not fear the financial consequences of an accident.

Consequences of not having insurance for delivery bikes

As previously mentioned, food delivery bike insurance is mandatory to ride food delivery bikes on Indian roads. Being caught without valid insurance can cause serious legal penalties. Penalties may include having your licence revoked, paying hefty fines or serving imprisonment.

Apart from these legal penalties, insurance is necessary to face the financial repercussions of accidents. If you don’t have insurance, you will have to pay for all the accident-related expenses from your pocket. And this may cause you to lose a lot of your hard-earned money.

Guidelines to buy two-wheeler insurance for a food delivery bikes

Although some app-based companies may help you avail of bike insurance for food delivery, this may not always be the case. So, if you have to choose one for yourself, follow the below tips to choose a suitable plan.

  • Check cost-effectiveness: Buying bike insurance online is usually more cost-effective and has more variety than offline. So, you can compare plans and choose the best. ACKO offers plans that are affordable and extensive. So, consider buying ACKO’s bike insurance.

  • Make sure coverage is adequate: Choose a plan that offers the required coverage for your needs. Also, make sure that the sum insured value is adequate to cover potential accident scenarios. Note that choosing a high sum insured may increase the premium.

  • Check covered areas: Usually, bike insurers offer coverage only within a particular geographical limit. Accidental damages occurring outside these areas will not be covered. Thus, crosscheck the covered areas before buying a bike insurance policy.

To sum up

Since food delivery professionals are always on the move, they are at high risk of encountering accidents. In an unfortunate accident, expenses may mount up. Paying these costs from your own pocket can be a nightmare. Thus, it is wise to preemptively buy two-wheeler insurance to avoid such scenarios. That way, you can focus on just doing your job well and not worry about incurring accidental expenses.

Frequently asked questions

Below are some of the common questions asked regarding two-wheeler insurance for food delivery bikes in India.


Who is eligible for delivery bike insurance?

Anybody who has a driver’s licence may be eligible to receive delivery bike insurance. Some delivery companies may even assist you in getting a bike insurance policy. However, this may not always be the case. Nonetheless, it is wise to get bike insurance to financially protect yourself from accident scenarios.

Which is the ideal bike insurance plan for food delivery bikes?

Although a Third-party Bike Insurance plan may have a lower cost, we recommend buying a Comprehensive Bike Insurance plan. The reason is that it provides more extensive coverage. It usually offers an Own Damage (OD) cover in addition to coverage for third-party liabilities. Thus, you will have coverage for most accident scenarios.

Will a Comprehensive Bike Insurance provide sufficient coverage for food delivery bikes?

As mentioned previously, a Comprehensive Bike Insurance Plan is the better pick of the two available bike insurance plans. Also, if you feel you require more coverage, you can opt for add-ons under this plan. There are specific add-ons for specific coverages. You can choose the relevant add-ons based on your requirements.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions. Explore More:


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