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Rideshare and Uber car insurance

Many car insurers will cover you as long as you let them know you’re a rideshare driver.

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To be a driver for Uber or another rideshare service, you need a car insurance policy that offers rideshare cover. We’ve broken this down in the table below.

Compare rideshare insurance online

1 - 6 of 20
Name Product Cover you can take out Amount of hours you can drive Food delivery
Youi
Comprehensive, Third Party
No limit
  • Menulog
  • UberEats
  • Deliveroo
  • DoorDash
Bingle Rideshare
Comprehensive, Third Party
No limit
  • Menulog
  • UberEats
  • Deliveroo
  • DoorDash
QBE
Green Company
QBE
Comprehensive, Third party property damage
32 hours
  • Menulog
  • UberEats
  • Deliveroo
  • DoorDash
NRMA
Comprehensive, Comprehensive Plus, Third Party Property Damage and Third party Fire and Theft
No limit - Do not cover vehicles used only for ridesharing
  • Menulog
  • UberEats
  • Deliveroo
  • DoorDash
RACV
Comprehensive, Third Party
Cover for part-time only. Cannot be your main source of income.
  • Menulog
  • UberEats
  • Deliveroo
  • DoorDash
SGIC
Comprehensive, Comprehensive Plus, Third Party Property Damage and Third party Fire and Theft
No limit - Do not cover vehicles used only for ridesharing
  • Menulog
  • UberEats
  • Deliveroo
  • DoorDash
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Why is rideshare car insurance important for rideshare drivers?

If you want to drive for a rideshare service like Uber or Ola, you’ll need compulsory third party insurance (CTP) at the very least, and in many cases, you’ll be required to have third party property insurance as well.

If you haven’t told your insurer that you’re an Uber driver or other rideshare driver, it may refuse to cover you for any accidents that occur while you’re working. Some will only cover you if you drive less than 20 hours per week.

Each rideshare service has its own requirements for the car insurance needed before you can start working. We’ve outlined some below.

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. Find out what cover you need using our table below and compare your rideshare car insurance options here.
  • Consider your cover needs. How much cover do you want for your vehicle? Do you want cheap car insurance 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 car 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.

Rideshare car insurance requirements for different services

Most platforms will offer some kind of liability cover, but in most cases, you'll be required to take out your own individual car insurance policy too. Here are the insurance requirements of each rideshare company in Australia.

What insurance do I need?
  • Compulsory third party insurance (CTP)
  • Third party property damage insurance (TPPD)
What insurance protection does Uber offer?
  • Uber offers liability cover, but it's designed to exist alongside your own car insurance policy. Think of it like a safety net for Uber itself. 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. It will cover you for a total of $20 million.
Driving requirementsYou must
  • Be listed as a driver on your insurance certificate
  • Be over 21 years old
  • Have a full valid licence in the state you're driving in
What insurance do I need?
  • Compulsory third party insurance (CTP)
  • Third party property damage (TPPD)
  • The driver must be the policyholder or the named insured driver
What insurance protection does Ola offer?
  • All drivers are covered by a contingent liability policy. This works alongside your own compulsory third party injury cover and can help cover certain personal injuries.
Driving requirementsYou must
  • Have a car that is road registered and insured for compulsory third party in the correct state or territory
What insurance do I need?
  • Compulsory third party insurance (CTP)
  • Third party damage or comprehensive insurance cover
What insurance protection does DiDi offer?
  • DiDi does not provide insurance
Driving requirementsYou must
  • Have a full driver's licence
  • Have a vehicle insurance certificate
What insurance do I need?
  • Compulsory third party insurance (CTP)
  • Third party damage or comprehensive insurance cover
What insurance protection does GoCatch offer?
  • GoCatch provides an insurance policy that covers liability arising from third party bodily injury or property in the event that the driver's personal CTP insurance doesn't cover these. This does not protect the rideshare driver for any personal injury or damage to their property (i.e. their car).
Driving requirementsYou must
  • Have all the necessary insurance documents
  • Have a police check
  • Have a vehicle inspection
  • Have an unrestricted Australian driver's licence
What insurance do I need?
  • Compulsory third party insurance (CTP)
  • Third party property damage of $5 million
What insurance protection does Shebah offer?
  • Shebah does not offer insurance
Driving requirementsYou must
  • Be at least 21 years old
  • Have a smartphone
  • Speak English
  • Hold an unrestricted Australian driver's licence
  • Have or set up an ABN
  • Have access to a 4-door car in good condition
What insurance do I need?
  • Compulsory third party insurance (CTP)
  • Third party property damage insurance (TPPD)
  • Insurance must be from a company operating within Australia
What insurance protection does Rydo offer?
  • Rydo does not offer insurance protection
Driving requirementsYou must
  • Have a current driver's licence
  • Have a criminal background check

Do I have to tell my car insurance I drive for a rideshare service?

If you drive for Uber or any other rideshare company, you'll need to tell your car insurance provider. If you don’t, your car insurance policy might be void and any claims you make will be denied.

Many insurers automatically exclude transporting passengers for money with a personal car insurance policy unless you let them know. If you are already a comprehensive car insurance policyholder though, many insurers will allow you to extend your policy to include cover for ridesharing services like Uber, Ola and DiDi.

Now that you’re using your car to transport people for money, there are more risks involved so your premiums are likely to increase. These risks can include potential legal fees if you're involved in a crash or a passenger opening the door and causing an accident. You’re also using the car more often, so there’s a greater chance of an accident occurring. You might pay a higher premium, but if something happens, you’ll be covered.

Can I claim my rideshare car insurance on tax?

Yes, you should be able to claim tax deductions on your car insurance alongside a bunch of other business expenses. These can include the following:

  • Fuel expenses
  • Your rideshare platform’s fees
  • Car insurance
  • Car registration
  • Repair and maintenance costs
  • Cleaning costs
  • Parking fees
  • Depreciation on your car’s purchase price if you are the owner of the car
  • Rental fees if you lease or rent the car
  • Tolls that were not covered by your rideshare platform
  • Mobile and Internet expenses if you use your phone for ridesharing

Make sure you keep receipts and bank records related to these expenses so that you can claim a percentage of them come tax time.

What does my rideshare car insurance cover if I have an accident?

If you have an accident while driving for Uber or another rideshare service like Ola, cover can be provided by the combination of insurance policies 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 a rideshare accident and make a claim

Collect information

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.

Report the accident to your car insurer

Report the accident to your car insurer

Phone your insurer to notify them of your claim, providing full details of the incident that has occurred.

Tell your ridesharing service

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 on the information you need to provide and how the accident will be covered by your insurance.

Frequently asked questions


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10 Responses

  1. Default Gravatar
    MichaelAugust 17, 2021

    I am 72 years old & drive 95% for Uber but only earn $300- $400 a week. Which insurance is the cheapest & best for me?

    • Avatarfinder Customer Care
      JamesAugust 19, 2021Staff

      Hi Michael,

      To determine the best and cheapest car insurance policy for you, please refer to the comparison table found on this page under the subheading, “Compare rideshare insurance online.”

      While our table doesn’t show you immediately the rate for each insurer, you can still go ahead and compare your options. Once you’re done, select the “Get quote” button. It should then redirect you to the website of your chosen insurer where you can get a quote or ask a representative if you have further questions.

      Insurers consider a wide range of factors when determining your premium. Thus, it is best to get in touch with your chosen insurer and get a quote directly.

      Regards,
      James

  2. 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

    • Default Gravatar
      NikkiMarch 1, 2019

      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

  3. 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 an 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 list of 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, it’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

  4. 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. Learn more about CTP insurance and how comprehensive car insurance works.

      Cheers,
      May

  5. 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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