Motorcycle fleet insurance for delivery, courier and business riders
Mopeds, scooters and motorcycles on one policy, with the riders, the security and the delivery work set out clearly. Fill in one short form to be put in touch with specialist brokers who arrange motorcycle and scooter fleet cover for UK businesses.
- Mopeds, scooters and motorcycles
- Food and parcel delivery use
- Learner and experienced riders
Motorcycle fleet insurance in brief
Motorcycle fleet insurance is one policy covering several motorcycles, mopeds or scooters used by a business, with the riders and the class of use for each bike set out on a single schedule. It is used by restaurants and takeaways with their own riders, delivery operators, couriers and businesses with service riders, and it sits alongside cover for four wheeled vehicles such as courier and multi-drop van fleets.
Bikes are insured differently from cars and vans. Riders are more exposed in an accident, bikes are easier to steal, and many riders are young or new to the road, so insurers look closely at who rides, how the bikes are secured and what work they do.
Who it is for
Who uses scooter fleet insurance and delivery bike fleet cover?
Any business running two or more bikes for work can usually look at a fleet policy, whether the bikes are owned, leased or rented out to riders.
Class of use
Does a delivery bike fleet need special cover?
Usually, yes. What the bike carries and who pays for it decides the class of use, and a bike insured for business travel is not covered for delivery rounds.
- Food delivery: Carrying takeaway meals for payment. Many standard bike policies exclude it, so it is usually named on the policy.
- Parcel and courier work: Carrying other people's goods for a fee, rated as hire and reward like a courier van.
- Own goods: A business delivering its own stock, such as a pharmacy or a shop, which some insurers treat differently from food delivery.
- Business travel: Riding to sites and customers without carrying goods for payment.
- Personal use: Riders allowed to keep a bike at home and use it outside work, which not every fleet policy includes.
Riders working for themselves on their own bike usually arrange their own cover rather than joining a business fleet.
The riders
Can learner riders go on a motorcycle fleet policy?
Rider details matter more on a bike fleet than on almost any other kind of fleet, because so many delivery riders are young or newly qualified.
Learner riders
Riders on a provisional licence who have completed basic training can usually ride a moped or small motorcycle with L plates.
- Some insurers accept learners, others do not
- Learners usually cannot carry a passenger
- Training certificates are worth keeping on file
Qualified riders
Riders with a full motorcycle licence, whose category limits the size of bike they can ride.
- Licence category needs to match each bike
- Riding experience often counts as much as age
- Advanced rider training may be taken into account
Rider checks
Insurers expect the business to know who is riding each bike and to check licences.
- Licence checks when a rider joins and at intervals
- Points and past claims declared for each rider
- Riders with points can sometimes be placed through fleet insurance for drivers with convictions
Theft and security
Why theft of bikes shapes the cover
Mopeds and scooters can be lifted into a van in seconds, and theft is one of the main reasons bike fleet claims are made. Insurers ask detailed security questions as a result.
- Where bikes are kept overnight: A locked garage or unit, a yard behind gates, or the street outside a rider's home.
- Locks and ground anchors: Disc locks, chains and fixed anchors, which some policies need to be used every time.
- Trackers and immobilisers: Fitted security that can make a stolen bike easier to recover.
- Keys and ignition: Theft with the keys left in a bike is often excluded.
- Parked during a delivery: Bikes left running or unlocked outside a customer's door for a moment.
If a condition says a lock must be used, a claim for a bike stolen without it may be turned down.
Boxes and kit
Top boxes, delivery bags and rider clothing
What is fitted to the bike and worn by the rider is not always part of the motor policy.
Top boxes and food boxes
Rear boxes and insulated food boxes fitted to the bike.
- Often covered when fixed to the bike
- Branding and wraps are worth declaring
- Contents of the box are usually separate
Helmets and protective kit
Helmets, jackets and gloves damaged in an accident.
- Some policies include a set amount
- Kit owned by the rider may not be covered
- Worth asking whether it is an add-on
Goods being delivered
Food, parcels and documents lost or damaged on the way.
- Not part of the motor policy
- Some contracts ask for it
- Goods in transit cover
Pricing
What affects the price of motorcycle fleet insurance?
Insurers price a bike fleet on the riders and the risk of theft as much as on the bikes themselves.
- Engine size and powerSmall mopeds through to larger motorcycles, and the value of each bike.
- The ridersAges, licence type, riding experience, points and past claims.
- Type of deliveryFood, parcels, documents or own goods, and how many drops a shift.
- Overnight securityGarages, locked yards or street parking at riders' homes.
- AreaBusy city centres or quieter towns, and the theft record locally.
- Rider turnoverHow often riders join and leave, and how quickly they are checked.
- Claims recordPast accidents and thefts across the business.
How it works
One quote form, specialist fleet brokers
Insure Fleet is an information site, not an insurer or a broker. We link you to MyMoneyComparison.com, a comparison service that gives businesses a gateway to brokers who arrange fleet insurance every day.
Start your quote
Get my fleet quote takes you to our partner, MyMoneyComparison.com.
Describe the motorcycle fleet
The form asks about the vehicles, the work they do and who drives, so you can be matched with a specialist fleet broker.
Compare and decide
A broker contacts you with options, subject to insurers' acceptance criteria. There is no obligation to buy.
Before you buy
Questions worth asking about a motorcycle fleet policy
Bike fleet policies differ most on riders, theft and delivery use. These questions tend to show where.
- Is food delivery named on the policy?Delivery for payment is often excluded unless it is listed.
- Are learner riders accepted?Some insurers decline riders on a provisional licence.
- What security conditions apply?Lock, garage or tracker conditions can decide a theft claim.
- Is theft with keys covered?Keys left in the ignition often void a theft claim.
- Who can ride each bike?Named riders or any rider over a set age, with licence checks.
- Are top boxes and helmets covered?Fitted boxes and rider kit vary between policies.
- Can riders take bikes home?Personal use and overnight parking at home need to be on the policy.
- Is a replacement bike provided?Without one, a stolen bike can mean a rider off the road.
FAQs
Motorcycle fleet insurance questions
What is motorcycle fleet insurance?
Motorcycle fleet insurance is one policy covering several motorcycles, mopeds or scooters used by a business. It lists the bikes, who may ride them and what they may be used for, all on one schedule with one renewal date.
Does motorcycle fleet insurance cover food delivery?
It can, if food delivery is named as a use on the policy. Many standard policies exclude delivering takeaway food for payment, so it is worth confirming the class of use for every bike.
Can a business insure scooters it rents to delivery riders?
Some insurers will, depending on how the rental works and who is responsible for the bike. It is close to vehicle hire, which is covered in more detail on self-drive hire fleet insurance for rental vehicles, so the full arrangement is worth explaining to the broker.
Can young riders go on a bike fleet policy?
In many cases, as long as each rider meets the insurer's age and licence rules. Young and newly qualified riders usually carry a higher excess, and some insurers only accept them on smaller bikes.
Are learner riders covered on a motorcycle fleet?
Some insurers accept learners who have completed basic training and display L plates, usually on mopeds and small motorcycles. Others only accept riders with a full licence.
Is theft covered if a bike is stolen during a delivery?
Usually, as long as the policy's security conditions were met. Bikes left running, unlocked or with the keys in during a drop are a common reason theft claims are refused.
Can bikes and delivery vans go on one policy?
Yes, some insurers will put bikes and vans on one schedule. A business running both can look at multi vehicle fleet insurance, with each vehicle insured for the work it does.
Does Insure Fleet sell insurance?
No. Insure Fleet is an information site and an affiliate of MyMoneyComparison.com, a comparison service that gives businesses a gateway to specialist brokers. When you start a quote you continue to MyMoneyComparison.com, and we may be paid a small commission if you are matched with and speak to a broker.
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