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It's an old problem. It is often said that if riders were insured and had normal employment conditions, the industry would collapse. Some people are trying to get couriers unionised:
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Think you've probably got grounds to argue with them about this:
https://twitter.com/Deliveroo/status/693798877439356928
Oliver Schick
brokebroadbeat
@user63208
I work for them and have done for about 6 months as a cyclist. The big thing that really gets me is to do with insurance. As a cyclist courier, it's not possible to get public liability insurance. No one is willing to insure you on your bike if you're a courier. I have insurance as a normal cyclist, but it's invalid as a courier.
Because we are "self employed" (I don't think we are) Deliveroo refuse to provide insurance for their cyclists. So their cyclists are uninsured and are completely unable to get insurance. I assure you, 100% all of their cyclists are out on the roads without insurance. I raised the issue with them, and took it to the head of driver operations. I was basically laughed out the door, and was told that cycling without insurance is "just something you have to do" and I need to be braver. Madness. Their cyclists are out on the roads unprotected, and I feel sorry for any motorists a cyclist runs into, because they're not going to get any insurance money.
After I had raised my concerns and complaints, I had my hours reduced and didn't receive any more online tips from customers, something I don't feel is a coincidence. This is a terrible company, and they treat their staff like dirt. I really hope they start treating their staff better, and sort out their insurance because at the moment the way they operate is awful, and I think probably illegal.