Yes, you do. If you're delivering goods for payment, standard motorbike insurance won't cover you. You need Hire & Reward (H&R) insurance.

Using standard Social, Domestic and Pleasure (SD&P) insurance for delivery work is illegal.

All major delivery platforms (Deliveroo, Just Eat, Uber Eats) require proof of H&R insurance before you can start work.

Hire & Reward insurance is specialist cover for riders who transport goods or passengers for payment. It's a legal requirement for all delivery work.

At Lexham Insurance, we specialise in H&R insurance for delivery riders and work to keep premiums as competitive as possible.

This is a common confusion:

Business Use covers travelling between different work locations or visiting clients as part of your job. For example, a tradesperson visiting multiple job sites.

Hire & Reward covers carrying goods or passengers for payment. This is what delivery riders need.

If you only have Business Use on your policy, you're not covered for delivery work. Make sure your policy specifically states Hire & Reward or Courier Use.

It depends on your current insurer. Some insurers won't offer Hire & Reward cover at all or will charge significantly more.

At Lexham, we specialise in delivery rider insurance and can often offer more competitive rates than adding H&R to a standard policy.

If you need to add delivery use mid-policy, request a callback and we can quote for a new policy.

No. One Hire & Reward policy covers you for all delivery platforms. You don't need separate insurance for Deliveroo, Just Eat, and Uber Eats, for example.

When you get a quote, let us know which platforms you work for. Your single policy will cover delivery work across all of them.

If you add new platforms later, you don't usually need to change your policy, but it's good practice to let us know so we have accurate records.

Delivery rider insurance costs vary significantly based on your individual circumstances, including:

• Your age (younger riders typically pay more)

• Your location (inner city areas have higher premiums)

• Your bike (larger bikes cost more to insure)

• Your experience (newly qualified riders pay more)

• Your mileage (higher mileage = higher premium)

• Your claims history

For an accurate quote tailored to you, get an instant quote online or request a callback.

Hire & Reward insurance costs more than standard cover because delivery riders face higher risks:

• Higher annual mileage (more time on the road = more accident risk)

• Urban riding (busier roads, more hazards, higher theft rates)

• Time pressures

• Stop-start riding (frequent acceleration and braking)

• Night riding

• Weather exposure (riding in all conditions to earn)

These factors combine to create higher claims rates for delivery riders compared to leisure riders. Insurers price policies accordingly.

At Lexham Insurance, our specialist focus helps us offer competitive rates despite these risks.

Here are some practical ways that could lower your premium:

• Fitting additional insurance-approved trackers to your bike can provide discounts. Store your bike in a secure garage or premises overnight if possible. Please note that mechanical locks are a policy requirement.

• Building up your no claims bonus is the single most efficient way of reducing your insurance quote over time. Some insurers allow you to transfer NCB from car insurance or non-delivery bike insurance – check with us if this applies to you.

• Choosing a higher voluntary excess can reduce your premium. However, take care in ensuring you would still be able to afford the excess should a claim arise, and that the value of the excess does not exceed the value of your bike

• Smaller capacity bikes (50cc-125cc) are cheaper to insure than larger bikes. Electric bikes can sometimes offer competitive rates.

• Be honest about your annual mileage, but don't overestimate. If you're part-time, your mileage might be lower than you think.

Request a callback and we can talk through more ways to lower your premium.

Your bike must have two forms of mechanical security as a policy requirement (not just recommended):

• A steering lock (most bikes have this as standard)

• PLUS one of the following: a d-lock, disc lock, grip lock, or an armoured chain

These security requirements apply at all times, including when you're parked during deliveries or pickups. Fitting additional insurance-approved security devices such as alarms or trackers can also help reduce your premium.

If you're unsure which security products meet our requirements, request a callback and we can help.

If you have Third Party, Fire & Theft or Comprehensive cover, theft is covered even if it happens during delivery work.

To make a claim, you'll need to:

• Report the theft to police immediately and get a crime reference number

• Contact our claims line as soon as possible

• Provide details of where and when the bike was stolen

• Confirm what security measures were in place

Using proper security (disc locks, alarms, chains) is essential – both to prevent theft and to ensure your claim is valid.

Your Hire & Reward policy covers both. H&R insurance includes Social, Domestic and Pleasure use, so you're covered for:

• Delivery work (food, parcel, courier)

• Personal journeys

• Commuting to other jobs

• Social riding

You don't need two separate policies. One H&R policy covers everything.

You need to tell us about any modifications, both when you're getting a quote and any time you make changes during your policy. That includes things like exhaust systems, performance upgrades, custom paintwork, or any aftermarket parts.

We'll look at each bike individually. Modifications will usually increase your premium, but we'll do what we can to find you competitive cover. If you're in any doubt about whether something counts as a modification, please ask us.

Yes, through either the Lexham Insurance App (available for iPhone and Android) or through the Lexham Portal on our website.

You can view your documents, renew your policy, update your details, make changes to your cover, and even report claims. It's available 24/7.

Yes, we're based in Diss and Thetford. Having a UK-based team means you're speaking to people who understand UK roads, and we're around during normal UK working hours.

You can reach us Monday to Friday, 8.30am to 7pm, and Saturday, 9.30am to 4.30pm.

Our claims line is open 24 hours a day, 7 days a week, 365 days a year, serviced by Lancaster Gate Assistance.

Whether you've had an accident at 3am or need to make a claim on a Sunday, you can get through to someone straight away.

We've been insuring mopeds, scooters and motorcycles for over 25 years.

In that time, we've built expertise in small-capacity bikes, young and learner riders, urban commuters, and delivery riders. That experience means we understand what two-wheeler riders need.