Insurance Delivery

Insurance Delivery

I’m currently at uni studying to be a teacher and have a battered old CG125 that my older brother gave me to get about on.

To pay my way through uni I’ve found a job delivering takeaways. However, I’m not sure whether I will be insured or not.

My brother helped me sort the insurance out (he’s a top lad) and got me fully comprehensive. Does that mean I’m covered for work as well?


Fair play to you in trying to get some money rolling in whilst studying. The devil is in the detail so you need to check your policy and call your insurer if need be to see what you’re covered for. However, if I were a betting man, you probably aren’t covered at the moment for delivery work.

Delivery work is usually viewed by insurers as being a higher risk and this in turn dictates a higher premium. Whilst it may be tempting, don’t risk doing the delivery job without insurance for a couple of reasons.

Firstly, if you get caught you could get penalty points or lose your licence, etc. A criminal record is never a good thing.

Secondly, if you have an accident whilst delivering and your insurer finds out, they will likely pull cover and may well come after you for the money they have to pay out.

For example, I recently had a chap call me where his insurer had come after him personally for over £100k after he was involved in a collision with two pedestrians whilst riding not in accordance with his insurance policy. An expensive day out that’s now going to cost him his house.

Andrew ‘Chef’ Prendergast

Motorcycle Monthly December 2019

Posted by Andrew Prendergast. Last modified: September 21, 2020 at 5:07 pm

Andrew has been riding motorcycles since he was 10 years old and currently rides a ZZR1400 as his daily commuter whether it is sunny or snowing. In addition, he is currently restoring an old Honda CB750 K1. Andrew practices across all areas of motorcycle law, with his practice involving both civil claims and motoring defence work.
Disclaimer: The legal advice and statements contained within this/these articles is correct at the time of printing. If you are seeking legal advice after a motorbike accident please contact us to speak directly with one of our lawyers.


  1. Collin BowersSeptember 4, 2020

    I can definitely confirm that you will not be insured under your present policy cover as someone whom we enquired about doing deliveries on there moped n then 125 were not covered and needed a different more expensive policy. Maybe the extra cost is easily earnt and is ok to pay. Incidentally I must point out too that if you ride ur 125 to and from college your are also not covered or insured and must change/take out a ‘commuting ‘ policy to and from the same place. So please call your insurance company to double check! You SERIOUSLY could end up paying tens or hundreds of thousands over the rest of your working life. This is total reality. Good luck, Collin bonkey Bowers

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About Motorcycle Monthly

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The MCM legal column is compiled by managing partner Andrew 'Chef' Prendergast and his bike-riding barristers and solicitors at White Dalton Motorcycle Solicitors.

The firm deals with personal injury claims and its sister company, Motor Defence Solicitors, deals with all the motoring offences.

White Dalton lawyers have a vast knowledge of bike law, and they have full bike licences, too. They don’t act for insurance companies or the prosecution.

White Dalton is Britain’s premier specialist motorcycle law practice, and if its professionals don’t know the answer to your question, there probably isn’t one. Don’t rely on the advice from your insurance appointed solicitor, get proper independent advice.

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