Rider insurance

Rider insurance

Rider insurance

For incident dated on or after 1st Jan 2025

Work Injury Compensation for Platform Workers

From January 1, 2025, platform workers will be covered under the Work Injury Compensation Act (WICA) for work-related accidents. This ensures adequate financial protection in case of injury. Please refer here for detailed information.

When platform workers can claim

All Deliveroo riders can make a claim under WICA if they were injured while performing the following tasks for delivery operators:

  1. Pick-up
    When the platform worker begins to travel to the pick-up or collection location until the platform worker leaves the pick-up or collection location, including returning to the vehicle, where applicable for delivery platform services.
  2. Delivery
    When the platform worker begins to travel to the drop-off or delivery location until the platform worker leaves the drop-off or delivery location, including returning to the vehicle, where applicable for delivery platform services.

A platform worker can also make a claim under WICA if the platform worker contracted an Occupational Disease in the course of work.

Types of compensation under WICA

Platform workers will have the same scope and level of WIC benefits as employees, including:

  • Income loss compensation
  • Medical expenses
  • Lump sum compensation for permanent incapacity, current incapacity or death

However, compensation for light duties will not apply to platform workers.

What platform workers should do when a work accident occurs

  1. Take note of the accident time and location, for example, the street name, lamp post number, or the exact location in the shopping mall.
  2. Take photos of the accident site, including your damaged vehicle, the other vehicle's details if there was a collision, the vicinity of the accident site, or any injuries sustained.
  3. Take down the contact details of witnesses if there are any.
  4. Retrieve supporting information from the platform app or website to show which work task you were at during the time of the accident.
  5. Seek medical attention.
  6. Inform your platform operators of the work accident as soon as possible.
  7. Cooperate with your platform operators and their insurers by providing supporting documents—such as original medical certificates, medical reports, medical bills, or photographs of the accident—to facilitate the processing of your WIC claim. Complete this form to begin the process.

The platform worker will be notified of their work injury claim after the platform operator has given notice of the accident to MOM and the relevant platform operator's insurer. The notification will include the case reference number and the insurer's details. The platform worker can check the status of the claim online.

Handy Information

Want to find out more?

  • For additional information, please visit the Ministry of Manpower's (MOM) website.

Need to report a claim?

  • To report a claim, please fill out this form.

Have a question?

Rider Third Party Liability

Covers cyclists and walkers when working. It also covers scooter and car riders when they’re ‘off-vehicle’, for example, when walking to pick up and deliver orders.

You will get USD1,500,000 of cover in case you cause injury to someone whilst at work. It also gives you protection in case you damage someone else’s property whilst working, such as other vehicles or buildings. Legal costs are included in the cover.

Here are a few important things to remember:

  • This does not replace your own motor insurance. If you use a scooter, motorbike or car to do deliveries, you still need to purchase your own motor insurance.
  • This doesn’t cover any damage caused to your own vehicle.
  • There will be a zero policy excess for third party liability claims.

Handy Information

Want to find out more?

Need to report a claim?

Have a question?

Rider personal injury

Covers all riders including cyclists, scooters, cars and walkers when working.

Your income protection insurance gives you supporting income in case you can’t work following an accident while riding. You can claim a weekly payment if you are injured and unable to work, upon eligibility. You’ll also receive a lump sum payment for more serious injuries.

Who is covered under the policy?

You: As a Deliveroo rider that is at least 18 years old, you’ll be protected by our insurance cover.

When and where will I be covered?

You’ll be covered instantly by our insurance whenever and wherever you’re out on the road with us in Singapore. This includes the whole time you’re online, as well as up to one hour after you go offline.

Handy Information

Want to find out more?

Need to report a claim?

Have a question about a claim?

FAQs for incident dated on or after 1st Jan 2025

FAQs for incidents dated before 1st Jan 2025