RideCover Comprehensive
Comprehensive car insurance for rideshare drivers
Why do you need RideCover Comprehensive?
Comprehensive
- Cover for the personal and rideshare use of your vehicle
- 12-month policy
Designed for you
- We know other insurers don’t offer products that suit your needs as a rideshare driver. We do.
Trusted
- Backed IAG, Australia’s largest general insurance group
- Specialist insurance for rideshare
What cover is included by RideCover Comprehensive?**
Loss or damage to your vehicle, caused by:
- Accident
- Natural perils such as flood, storm, earthquake, tsunami
- Collision or crash
- Theft or attempted theft
- Explosion
- Fire
- Vandalism or a malicious act
Liability up to $10m for claims made against you for loss or damage to someone else’s property.
Additional benefits
- Rideshare hire vehicle after a not at fault incident - find out more
- Rideshare hire vehicle after theft or attempted theft - find out more
- Storage costs
- Towing
- Vehicle pick up and return
- Emergency repairs
- Keys, locks and barrels
- Personal items
- Baby capsules and child seats
Options you can add to your policy:
- Rideshare hire vehicle after at fault incident - find out more
- Windscreen, sunroof and window glass damage
** For a full list of covered events, exclusions, and limitations please read the PDS.
We know it’s important for you to continue earning income as a rideshare driver if your vehicle is damaged by an event we cover under your policy. That’s why we’ve partnered with RAV to provide you a rideshare ready hire vehicle while your vehicle is being repaired.
What rideshare services do we cover?
Covered
- We cover rideshare services for drivers transporting human passengers
Not covered
- Couriers or food delivery services
Vehicles
Covered
- Cars weighting 4,500kg or less
- Cars constructed to seat up to 12 adult passengers
Not covered
- Motorcycles
- Mopeds
- Scooters
- E-scooters
- Trikes
- Heavy vehicles (including buses)
- Taxis
How to make a claim
To make a claim under your RideCover policy please phone: 1300 216 233 (this phone number is not for general enquiries).
Things to know
RideCover Comprehensive does not cover any driver that is aged less than 21 years or has not held their licence for 12 months or more.
If we accept a claim for loss or damage to your vehicle we will:
- repair the vehicle or pay the cost to repair your vehicle; or
- pay you the lower of the market value of the vehicle or $70,000.
If we accept a claim under the liability cover, we will cover the cost of your legal liability for loss or damage to someone else’s property up to $10,000,000 for any one incident.
If you are looking for our previous RideCover Add On Product Disclosure Statement (PDS) please click here.
FAQs
You can be confident in knowing we're proudly backed by Insurance Australia Group.
IAG is the name behind some of the most trusted and respected insurance brands in the regions in which it operates. Its businesses have helped people recover from natural disasters, accidents and loss since 1851.
IAG's businesses underwrite over $11billion of premium per annum, selling insurance under many leading brands including NRMA Insurance, CGU, SGIO, SGIC, Swann Insurance and WFI (Australia); and NZI, State, AMI and Lumley Insurance (New Zealand).
Standard & Poor's has assigned a 'Very Strong' Insurer Financial Strength Rating of 'AA-' to the Group's core operating subsidiaries.
Short-stay hosts
Pay-per-nightRideshare drivers
RideCover ComprehensiveShareCover 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.