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Does your standard car insurance cover you while driving for platforms like Uber, Lyft or DiDi?

Published 18 days ago.

**Many Standard third party or comprehensive car insurance policies aren’t likely to cover you for an accident while driving for a rideshare platform, like Uber, DiDi, Bolt, or OLA, at the time of an accident. **

This means that while you are covered by third-party and comprehensive car insurance when your vehicle is used privately, to run to the shops or ferry the kids around, as soon as you turn on your app and say you are available as a driver, you may not be covered under these policies.

You may think you’re covered by the platform you are driving for but that platform’s insurance generally isn’t comprehensive. Platforms, such as Uber or Lyft, that offer insurance, in some instances only cover damages and liabilities to third parties – so if you are in a collision you may only be covered for the cost to repair the other person’s vehicle but not your own.

More and more companies are beginning to expand their cover to include rideshare but there are still a lot of restrictions in place.

One of these restrictions with rideshare insurance is the various ways drivers use rideshare platforms. Some drivers only use rideshare on weekends, the odd day here or there or have committed to it as a full-time job.

ShareCover understands that drivers vary from part-time to full-time and wants to be flexible with the hours it offers. The rideshare product is tailor made so it can meet the needs of both part-time and full-time drivers and focuses on the risks associated with rideshare driving (including collision and liability). It can be added on to any standard car insurance policy and it aims to be affordable with no hidden fees for drivers.

If you have any questions about rideshare insurance and how it can work for you, please contact us.

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ShareCover is issued by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681 trading as ShareCover Enterprises. When making decisions about a product, always read the Product Disclosure Statement (PDS). For home policies, please also read our Key Fact Sheets (KFS) for buildings and contents which set out some of the events/risks covered and not covered by our home policies and other information you should consider. These sheets do not provide a complete statement of the cover offered, exclusions, conditions and limits that apply under the policies. You should carefully read the Product Disclosure Statement (PDS) and all policy documentation for more details.

To help you make an informed choice on insurance visit the Australian Government website: www.moneysmart.gov.au

ShareCover Enterprises is owned by Insurance Australia Limited and is not related to either Airbnb, Bolt, Booking.com, DiDi, OLA, Shebah, Spacer, Stayz and Uber. References to these platforms on this website do not constitute an endorsement by these platforms of ShareCover nor an endorsement of these platforms by ShareCover; nor IAG being partnered with these platforms.