What is a delivery rider e-bike claim?
A delivery rider e-bike claim is a personal injury claim brought by someone injured while riding an e-bike for a delivery platform such as a food-delivery app. Who you claim against depends on how the accident happened, not simply on the fact you were working.
Who is liable when a delivery rider is hurt?
Most often it is the driver of a vehicle that hit you, through their motor insurer — the same route as any road-traffic claim. Depending on the facts it could also involve a faulty e-bike or battery, a road defect, or an untraced driver. Which one applies depends on how the accident happened.
Does it matter that I’m self-employed?
Usually not, for a claim against an at-fault driver — your employment status does not change their responsibility for hitting you. Worker status can matter for other things, such as whether a platform owed you certain protections, and the law in this area has been developing. It is one of the things we can look at with you.
Check what cover the platform provides
Some delivery platforms arrange free personal-accident or third-party insurance for riders who are logged on and working. The cover varies a great deal between companies and can be limited, so it is worth checking your rider agreement and telling us what you find — it may sit alongside, rather than replace, a claim against whoever was at fault.
What evidence helps?
- Screenshots showing you were logged on and on a delivery at the time.
- The at-fault vehicle’s registration and the driver’s details.
- Dashcam, CCTV or doorbell footage, and witness contact details.
- Your rider agreement and any insurance the platform provides.
- Medical records linking your injuries to the accident.
How long do I have to claim?
In England & Wales the general limit for a personal injury claim is three years from the date of the accident, under the Limitation Act 1980. Some situations differ, so it is sensible to look into things early.