

Yeah I think from the people I’ve talked to, it’s mostly people who do it part time as a way to make a bit of extra cash or like students who otherwise don’t have time for a full time job but still need some form of income.
There’s an episode on a Canadian show called Late Bloomer that tells the story of one of those bike food delivery drivers who is an international student and trying to basically survive. Good show, really fucking sad episode.
I feel like most bike related crashes (not involving cars) are damage to the individual and not to property. Maybe to their bike, or minor damage elsewhere. If that’s the case I would imagine medical insurance would be enough. I guess there are some really fancy bikes you might want to insure but you’re right it’s prob not worth the admin cost for even a 2 or 3k bike.