Rideshare and Uber Car Insurance

Looking for car insurance for ridesharing? Many car insurers will cover you as long as you let them know you're an Uber driver.

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Rideshare

In order to drive Ubers, you need a car insurance policy that will actually cover you for ridesharing. There are now plenty of insurers that offer rideshare cover at very affordable prices. We've broken down some of them below.

You can add rideshare cover to one of these policies

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
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Why do you need to take out rideshare car insurance?

No insurance = no Ubering.

So if you want to drive for Uber and get paid for it, you’ll need at least third-party property insurance. But you'll be happy you did, because with all that driving and all those people shuffling in and out of your car, it only takes one wrong turn to put you on the hook for thousands of dollars in damages.

You should even consider upgrading to comprehensive cover even though it isn't required. Your car is such an important business asset, and comprehensive cover will protect it.

If one of your passengers opens their door into oncoming traffic and it takes off the door, comprehensive cover will help you get your door replaced. If you’re driving in a strange neighborhood and cause a crash because you’re unfamiliar with the traffic patterns, you’ll be able to get your car fixed with minimal out-of pocket expense. It just makes sense.

Do all policies cover me for Uber Insurance?

No. Most regular car insurance policies won’t cover you for an accident if you were taking fares at the time. That's why you need a policy that very specifically states that it covers ridesharing.

What insurance company covers Uber?

Insurance company Policy that will cover you Eligible drivers
Allianz Available with all policy types All rideshare drivers
NRMA Available with all policy types All rideshare drivers
RACV Available with all policy types All rideshare drivers
Bingle Available with all policy types All rideshare drivers
SGIO Available with all policy types All rideshare drivers
SGIC Available with all policy types All rideshare drivers
RACQ Available with comprehensive car insurance only All rideshare drivers

Check with your insurer to find out whether it covers rideshare services and if so, whether there are any cover restrictions.

You may only be eligible for cover if you are a part-time rideshare driver, not a full-time driver. This may come with a specific time limit attached – for example, some policies will only cover you if you drive less than 20 hours a week.

What kind of policy do I need to get?

It really boils down to what your ridesharing company requires you to have before you can become a driver. For example, Uber requires you to take out the following:

  • Compulsory third party (CTP). Every registered car on the road is required to have this form of protection. It covers injuries you cause to others.
  • Third-party property damage (TPPD). This is the minimum amount of cover required to drive for Uber. This covers damage to other people's property.
  • Together, these two forms of insurance protect everyone or everything you could injure or damage except for you and your own car (although your CTP will offer some help with your own injuries). Other ridesharing companies may have different requirements, so make sure you understand their policies completely before you start taking fares for them.

    If you want protection for your own car, you'll need third-party fire and theft or comprehensive cover instead of TPPD. These will count toward your Uber requirement since they cover what TPPD does plus a lot more.

    Does Uber offer any insurance?

    They do, but it's designed to exist alongside your own car insurance policy. Think of it like a safety net for Uber themselves. Uber will cover you for injury or damage to your passengers and other people's property if your CTP or TPPD doesn't go far enough to cover all the damages. They'll cover you for a total of $20 million.

    Uber insurance

    All Uber drivers for uberX, uberXL, uberSELECT and uberASSIST are covered by a liability program that provides $20 million in legal liability protection. All drivers must have:

  • Compulsory third party insurance and a valid registration
  • Third party property damage insurance
  • Be listed as a driver on your insurance certificate
  • Be over 21 years old
  • Have a full valid license in the state you're driving in
  • How do I find the right rideshare car insurance cover?

    Keep the following tips in mind to help you find a rideshare car insurance policy that matches all your cover needs:

    • Research rideshare insurers. Not all car insurance providers offer rideshare cover, so you’ll need to do some research to find out which companies can provide the cover you need. You’ll find more information about rideshare car insurance providers further down this page.
    • Consider your cover needs. How much cover do you want for your vehicle? Do you want affordable cover that protects you against essential risks only, or would you prefer the peace of mind that a comprehensive policy offers?
    • Find suitable policies. Some insurers only offer a rideshare extension on their comprehensive car insurance policies and not on any lower levels of cover, so you’ll need to find a provider that offers rideshare insurance with your chosen level of cover.
    • Get quotes. It’s simple to apply for insurance quotes online, so obtain quotes for multiple policies to get a better idea of how much rideshare car insurance costs.
    • Compare cover features. Don’t just choose a policy based on its price; remember to look past the premium to closely inspect the features each policy offers. Check out what’s covered, what’s excluded from cover, and what cover limits apply. This will help you determine which rideshare car insurance is the perfect fit for you and your vehicle.
    • Consider expert help. Having trouble finding a suitable policy? You might want to ask an experienced insurance broker to help you find a car insurance policy that covers rideshare driving and meets all your other needs.

    What happens if you have an accident?

    If you have an accident as an Uber driver, cover can be provided by the combination of insurance covers you have in place:

    • CTP insurance can provide cover for death or injury to a third party
    • Your rideshare car insurance policy can cover damage to another driver’s vehicle or property
    • If you have a comprehensive rideshare car insurance policy in place, you’ll also be covered for damage to your own vehicle
    • Uber’s contingent liability policy can provide injury and property damage liability cover for expenses not covered by your other types of insurance

    Make sure you’re aware of any excesses that apply to your own car insurance policy and Uber’s insurance before making a claim.

    How to report an accident and make a claim

    If you’re involved in an accident while driving for a ridesharing service, you should first follow the normal protocol following a car accident. Check that everyone is safe, phone the emergency services if necessary, and take any reasonable steps to prevent any further accidents or damage.

    Then you’ll need to follow a few simple steps:

  1. Collect information. Collect the name, address and registration details of any other drivers involved in the incident. You may also need to gather the contact details of any witnesses.
  2. Report the accident to your insurer. Phone your insurer to notify them of your claim, providing full details of the incident that has occurred.
  3. Tell your ridesharing service. You’ll also need to notify the rideshare company that you have been involved in an accident.

Both your car insurance provider and your rideshare service will be able to advise you on the next steps you need to take, including details of the information you need to provide and of how the accident will be covered by your insurance.

Other questions you may have about Uber car insurance


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8 Responses

  1. Default Gravatar
    NadeemFebruary 28, 2019

    Hi Expert,
    I want to get insurance for my cars which I will use as uber ride sharing business.Please advise me about an insurer who can cover:
    Type of cover: comprehensive
    Ride sharing
    Public liability $20 million
    Excess $1000
    Thanks

    • Avatarfinder Customer Care
      NikkiMarch 1, 2019Staff

      Hi Nadeem,

      Thanks for getting in touch! While the information above shows providers who can cover rideshare insurance, kindly note that Finder cannot guarantee if an insurance company can cover you the amount of coverage you need. Given this, you’d have to use the form on the page that says “Enter your details below to receive an obligation-free quote” and press ENQUIRE NOW. A representative from an insurance company will be in contact with you as soon as they receive your application.

      Hope this clarifies!

      Best,
      Nikki

  2. Default Gravatar
    DharmendraDecember 12, 2018

    I am taking insurance for first time I want to ride uber dont know which insurance to buy.

    • Avatarfinder Customer Care
      MayDecember 18, 2018Staff

      Hi Dharmendra,

      Thank you for your question.

      Just to confirm, is your location in Australia? If so, the type of insurance listed above is applicable for Uber drivers only. As a rider/passenger, you’ll get covered through the driver’s CTP insurance which will cover medical and liability costs when you get accident while you’re riding Uber. The same insurance will be covered by Uber if in case the driver’s own insurance won’t cover you.

      Meantime, if you want to be covered as well on your own, just for security purposes, you may like to check our guide here on personal accident insurance. It outlines how personal accident insurance works and you can also use the panel on that page to get quotes from different insurers.

      If in case you’re not from Australia, you’d be best to speak to a local insurance company in your location/country and check your options for a relevant insurance policy for your situation.

      Hope this has helped.

      Cheers,
      May

  3. Default Gravatar
    chrisSeptember 8, 2017

    Hi, Do i need a CTP if i have a comprehensive policy? Thanks.

    • Avatarfinder Customer Care
      MaySeptember 8, 2017Staff

      Hi Chris,

      Thank you for your inquiry.

      Compulsory third party (CTP) is a “compulsory” form of insurance covering death or injury to third parties. Except in NSW, it is included in your vehicle registration in all states. You would need to purchase CTP separately in NSW. CTP is also not included in any comprehensive car insurance policy. You can find more information about CTP insurance here and how comprehensive car insurance works on this page.

      Cheers,
      May

  4. Default Gravatar
    AdamJune 15, 2017

    Hi! I just got a quote for a ride share for 657 a month. Is that the standard rate?

    • Default Gravatar
      JonathanJune 15, 2017

      Hi Adam!

      Thanks for the comment.

      Are you referring to a particular insurer? If so, you may contact that insurer directly to discuss other payment options or covers that may fit your budget.

      On this page, we have listed 3 insurers who may give ride-sharing covers: RACQ, NRMA and Allianz>. You may check them individually, request a quote from them so that you can get a deal based on your preferences.

      Hope this clarifies.

      Cheers,
      Jonathan

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