The insurance provided through Wolt always comes on top of what’s required by law, such as the mandatory motor vehicle liability / traffic insurance for motor vehicles. This means that you still have to always have your mandatory motor vehicle / traffic insurance. However, this new accident insurance does give car and scooter couriers coverage in certain situations where the traffic insurance does not, such as if there’s an accident when you’re delivering with Wolt but are off/out of your vehicle.