Rideshare cover to help give you peace of mind
Comprehensive car insurance designed to keep things moving
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Tell me about RideCover Comprehensive?
Whether you’re nipping to the shops or picking up a fare, hit the road with peace of mind thanks to our RideShare policy.
What cover is included in our RideCover Comprehensive policy?
We offer cover for loss or damage to your vehicle (up to the lesser of the market value or $70,000) caused by:
Accident
Natural perils such as floods, storms, earthquakes, tsunamis1
Collision or crash
Theft or attempted theft
Explosion
Fire
Vandalism or a malicious act
We offer cover for a range of incidents (subject to the terms, conditions, limits and exclusions of the policy), including:
Rideshare hire vehicle after a not-at-fault incident (up to $100 per day, to a maximum of 1,000kms per week) if your car cannot be driven3
Rideshare hire vehicle after theft or attempted theft (up to $100 per day, to a maximum of 1,000kms per week) if your car cannot be driven6
Storage costs – We’ll pay reasonable storage costs from the time the claim is lodged until your vehicle is assessed, following an incident we cover.
Towing - Cover for one tow to the nearest repairer or safe place if your car can’t be driven after an event we cover
Emergency repairs - We pay for emergency repairs you need to make after an event we cover so your car’s secure and safe to drive (up to $800 per incident)
Keys, locks and barrels – We cover reasonable costs to repair, replace or recode the keys, locks, barrels, fobs or key pads (up to a maximum of $1,000).
Personal items – We cover personal items7 in your car if they’re stolen or damaged in an accident (up to $500)
Important policies and information
Key information about our service, products and policies.
Find out moreThings you should know
Drivers under the age of 21 or those who have not held a licence for more than 12 months will not be covered by RideCover Comprehensive.
If we accept a claim for loss or damage to your vehicle we will (at our option):
- repair the vehicle or pay the reasonable costs 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 arising from use of the vehicle that causes loss or damage to someone else’s property up to $10,000,000 for any one incident. If the vehicle is being used for rideshare services offered through a rideshare platform, we will only cover the legal liability of you or a nominated driver.
RideShare Hire Vehicle
Sometimes things can take an unexpected turn, like when your vehicle is damaged. To help keep you on your way, we’ve partnered with RAV to provide eligible customers with temporary rideshare ready-hire vehicles.
Supported by NRMA Insurance
NRMA Insurance has been protecting Australians for over 90 years and providing safer, stronger, more confident communities.
Any questions?
Contact our friendly customer service team who are based in Australia.
Log in and lodge
Submitting a claim under your ShareCover policy is as easy as logging in and lodging it.
1. Login to your ShareCover account
Login to your ShareCover account, select the relevant policy number and lodge your new claim.
2. Give us the lowdown
Share how the damage or loss happened. Provide the names of those involved in the incident. Be sure to upload any photos, invoices, or documents.
3. Get back to business
Once your claim has been submitted you can rest assured knowing one of our super friendly Claim Consultants will be in touch to discuss next steps within 1-3 business days.
Do you need to make a claim now?
Make a claimCan’t lodge online? You can also lodge a claim over the phone by calling 1300 216 233 (claim number only). Please have your policy number handy.
Things to know
1 We may not cover you for some severe weather events during an embargo period (which is usually when we know a severe weather event is about to occur).
2 If your vehicle is available for rideshare services through a rideshare platform for more than 30 hours per week, you are considered a full-time driver for the purposes of the policy.
3 We will arrange a rideshare hire vehicle until the vehicle is repaired or claim settled, if we agree it was the other driver’s fault and you provide the at-fault driver’s details.
4 If the vehicle is being used for rideshare services offered through a rideshare platform, we will only cover the legal liability of you or a nominated driver.
5 We can arrange a hire car until the earlier of: (i) 14 days, (ii) when the vehicle is repaired, or (iii) the claim is settled.
6 We will arrange a rideshare hire vehicle until the earliest of: (i) the date your vehicle is recovered and repaired; (ii) when we pay your claim for a total loss; or (iii) 14 days from the date you first hire the vehicle.
7 We don’t cover some personal items like cash, mobile phones, tools of trade or accessories fitted to your vehicle. We don’t provide cover for theft if you leave your vehicle (i) unlocked; (ii) with the keys in its ignition; or (iii) without activating any alarm or immobiliser.
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Insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681 trading as ShareCover Enterprises. This is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement (PDS) and Target Market Determinations available on this website. For Short Stay Pay-per night and Short Stay 6 & 12 month 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 those 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.