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Rideshare car insurance

Many car insurers will cover you as long as you let them know you drive for a rideshare service like Uber.

Youi

  • Covers rideshare drivers
  • Accidental damage, storm, hail and more
  • Reduced excess for windscreen claims
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Promoted

Compare rideshare insurance online

1 - 6 of 18
Name Product Roadside assistance Accidental damage Agreed or market value Amount of hours you can drive for a rideshare service:
Youi Comprehensive
Agreed or Market
Not mentioned
Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

Who it might be good for: Those who want good customer service with lots of inclusions.
QBE Comprehensive
Green Company
QBE Comprehensive
Agreed or Market
32 hours
Finder's summary: Our best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years.

⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).
Kogan Comprehensive
Agreed or Market
32 hours
Finder's summary: Kogan comes with all the perks that most comprehensive car insurance policies include, but you'll also be entitled to some benefits from its online store. This usually comes in the form of a gift voucher or discount if you buy online.

⭐ Current offer: Get $75 off first year premiums when you purchase Kogan Comprehensive Car Insurance online + $10 monthly kogan.com credit. T&Cs apply.

Who it might be good for: Kogan shoppers and those after a good range of policy options.
NRMA
Agreed
Not mentioned
Finder’s summary: NRMA is a trusted brand that covers the essentials. It may cost a little more than other insurers, according to our awards research. It can cover ridesharing and vintage cars.

Who it might be good for: People who want a well-known insurer.
1300
1300
Agreed
Not stated
AAMI
Agreed
Up to 25 hours weekly for food delivery
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Rideshare insurance pricing

We got quotes from a few popular car insurers to see what a quote for a rideshare driver could look like. Keep in mind, the below costs are only for the driver profile we used and your own costs will differ based on your age, car, suburb and driving experience.

Provider~Annual cost
NRMA$2,610.81
Bingle$2,774.06
Australia Post$3,287.14
Kogan$4,073.63
QBE $5,522.66

Finder survey: Do Australians find it hard to get car insurance that covers rideshare drivers?

Response
No50%
Yes50%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023

Why is rideshare car insurance important for rideshare drivers?

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.

Many insurers still don't cover ridesharing. For example, popular insurers such as Budget Direct, Qantas, Coles and Huddle do not cover your car at any time for ridesharing. Others, such as ANZ, will only cover you if you drive less than 32 hours per week.

All of the main rideshare services in Australia (Uber, DiDi, Ola) require you to have compulsory third party insurance (CTP) and third party property insurance. We've outlined more about specific requirements below.

Rideshare car insurance requirements for different services

Rideshare platforms typically offer some kind of liability cover, but in most cases, you'll need 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)
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?
  • Third party property damage (TPPD) or comprehensive car insurance
Driving requirements
  • Requirements vary between states. You can see what documents are required here.
  • 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
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
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)
  • Comprehensive car 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
Driving requirementsYou must
  • Have a current driver's licence
  • Have a criminal background check

How do I find the right rideshare car insurance cover?

Number 1

Watch out for a cap on hours you can drive

A small number of rideshare insurance policies will only cover you if you drive less than a specified amount per week, often around 32 hours (we've outlined these in the table above). If you're ridesharing for more than that, opt for a provider with no limit.

Number 2

Decide what level of cover you want

You are required by most rideshare services to have CTP and third party property insurance. This doesn't cover you for damage to your own car though; if you want cover for that, you should get a comprehensive car insurance policy.

Number 3

Decide what you want covered

All comprehensive rideshare insurance policies should cover you for damage to your own car (usually up to the market value), other people's cars and property, floods, hail, fires and storms. However, features such as a hire car after an accident and windscreen cover, are sometimes optional. (Good to know: you won't be covered for ridesharing a hire car with most insurers but you can still use the vehicle for personal use).

Number 4

Compare quotes

It's simple to apply for car insurance quotes online, so get multiple policies for a better idea of how much rideshare car insurance costs.

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

Compulsory third party
CTP insurance can provide cover for death or injury to a third party.
Third party
A third party property damage policy can cover damage to another driver's vehicle or property.
Comprehensive car insurance
If you have a comprehensive rideshare car insurance policy in place, you'll also be covered for damage to your own vehicle (as well as others).

There are a few injuries and accidents where rideshare car insurance won't cover you. For example, certain personal injuries, such as broken bones, or cover if you can't work. This is where your rideshare platform's injury insurance can help.

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