Working as a motorcycle courier has become an increasingly common profession. After all, it is enough to have a motorcycle to be able to make deliveries and receive according to the work time. However, just like in any other profession, there are risks, mainly because you are always on the move. That’s why it’s important to have life insurance for motoboys : it’s a way to have protection in case something unforeseen happens.
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Is life insurance for motoboy mandatory?
There is still no law in force that makes life insurance mandatory for this profession.
However, some prefectures create a specific rule that is valid for their respective municipalities. That is, in Brazil it is not yet mandatory, but some cities require companies to provide life insurance for motoboys, both those hired by CLT and autonomously.
This means that coverage and prices vary greatly depending on where the laws apply. Despite this, it is worth knowing more about how life insurance can be used in favor of the motorcyclist, exploring the appropriate possibilities.
The Union of Messengers, Motorcyclists, Cyclists and Mototaxis Intermunicipal of the State of São Paulo (SindimotoSP), for example, fought for this right for all workers and it is expected that more places will also adopt this rule.
How to find life insurance for motoboy?
When the company goes in search of an insurer that offers coverage for the motoboy, it is common to come across several rejections, since there is a certain fear of this branch.
This is because the profession is considered dangerous and leads people to think that workers, after being properly insured, will have a greater tendency to get involved in accidents.
Thus, the cost ended up being very high, making life insurance increasingly inaccessible. The professional, in turn, would be helpless in the event of an accident or death.
However, after much debate, it was possible to establish average values that work both for entrepreneurs, who need to take out insurance for their employees, and for insurers.
As we said earlier, the value is just an average and may vary from case to case. In addition, some insurance companies only provide support for large customers, when there are hundreds of motorcycle couriers to be covered, which makes the task more complicated for smaller businesses.
Value of coverage for motoboys
To make the lives of professionals safer, SindimotoSP, as already mentioned, established the exact value of coverage in different modalities. Check out each of them below:
- Title funeral allowance: 2,500 reais;
- Total or partial disability due to accident: 11,487 reais;
- Natural or accidental death: 22,974 reais.
The total amount usually varies greatly depending on the coverage offered and the type of contract, between CLT and self-employed, so it is important to find a balance between both.
More clearly, it is also important to be aware of the amount of insurance in both schemes. In the first, the price is approximately 233 reais, while the second has an average cost of 315 reais.
Importance of motorcycle life insurance
As the name implies, this type of benefit gives the professional greater security that he, as well as his family, will be financially supported in case of any unforeseen events.
Especially in the case of motoboy, a profession that faces great dangers, such as assault and theft, for example, it is essential to be covered by life insurance.
It is the duty of the company to look for an insurer that can offer a good cost benefit. That is, it charges an affordable rate in exchange for full coverage for employees.
Which insurer to hire?
As we mentioned earlier, it can be difficult to find an insurance company that offers the support that motoboys need. The thought of intentional accidents is still very common, but someone needs to be willing to help this class that needs help so much.
For those who are in this search process, we suggest contacting us . We still don’t have specific life insurance plans for motoboy , but talk to one of our brokers. We are sure they will have a solution for you or your business!