What Insurance Does NOT Cover

What Insurance Does NOT Cover

  • Reckless driving

  • Riding under the influence

  • Vehicle wear and tear

  • Deliveries made outside the Driver App

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    • Foodmato Insurance Coverage

      Foodmato may provide: Limited on-delivery liability coverage Support documentation for accident claims Coverage may vary by country. For Germany, Foodmato follows local courier insurance regulations.

    • Car Couriers

      Required: Full insurance (liability + vehicle insurance) Registration papers Valid driving license

    • Bicycle / E-Bike Couriers

      No mandatory insurance from Foodmato Liability insurance is highly recommended For e-bikes, ensure your model does not exceed legal power/speed limits (otherwise, motor insurance may be required)

    • Scooter / Motorbike Couriers

      You must have: Valid liability insurance Registration documents Helmet (mandatory by law) Compliant number plate Deliveries without proper insurance are strictly prohibited.

    • Scooter / Motorbike Couriers

      Valid driving license (AM, A1, A2, A depending on vehicle) Registration documents (Fahrzeugschein) Insurance (Haftpflichtversicherung)