Can Citycover arrange insurance for Ridesharing / UBER?
Yes we can! We’ve done all the hard work for you and found comprehensive policies to cover drivers who work for UBER or other Ridesharing services. It’s important to seek advice from your Insurance Broker on the right cover, so in the event of a claim you are adequately insured. You will be required to provide a certificate of insurance, which we can organise and send straight to your email inbox.
Why should I use a broker for Car Insurance instead of going Direct?
Car Insurance is very competitive, and policies are often chosen on price alone. However there’s many differences between Private and Commercial Car Insurance Policies, and you may have legal requirements when driving a vehicle used for UBER / Ridesharing purposes.
When an accident occurs, this is usually an extremely stressful time, and often you can be left without a car, plus you will also need to organise repairs, and speak with Insurers. Citycover can handle all of this for you, and we know what you are entitled to in the event of a claim. Unfortunately the cheapest premium won’t get you the service you need during such an extremely stressful event.
So I drive for UBER. How does my Insurance work?
When the UBER app is on, and you have accepted a trip, your liability insurance becomes active until the passenger(s) exit the vehicle. When the UBER app is off, you are covered by your own private car insurance.
How do I know if I am covered for UBER?
As is with any insurance, you have a duty of disclosure to let your Broker/Insurer know that you are involved in Ridesharing activities. If you fail to disclose, they may have grounds to deny a claim.
Does my private car insurance automatically cover me for UBER driving?
The short answer is no. Private car insurance policies generally contain exclusions for carrying passengers for reward or hire. Under your Duty of Disclosure where you must let your Broker / Insurer know if you are involved in Ridesharing activities (see previous question). This will likely change the premium of your policy.
Is the price more expensive for UBER drivers?
As there is higher risk using your vehicle for Business or Commercial purposes, in comparison with using it privately, the premium of your insurance is likely to be more expensive.
The cost of your insurance is influenced by a number of factors, including the type of vehicle you are using, the location it is stored and how often you are using it for UBER / Ridesharing activities, plus your claims history etc. It’s important you disclose this information accurately.
What does Public Liability Insurance cover me for with UBER?
Public Liability Insurance is one of the most important covers you can have. It covers you in the event you cause personal injury to a third party and their property in the event of a car accident. Cover available includes legal costs and expenses, third party property in your care custody and control, protection from the financial consequences of causing property damage or personal injury to another person, and protection that stops the need for you to pay money out of your own pocket or risk bankruptcy. We suggest taking out a minimum $5m Liability cover now that UBER is regulated.
There’s different UBER Services, are they all covered?
Most rideshare policies only cover UBER X. There’s other services including UBER Eats, UBER XL, UBER Select, UBER Pool and UBER Black. It’s important you let us know so we can find the right cover for you.
I have a claim, what do I do?
Firstly, if it’s an emergency, dial 000.
Citycover’s claims team are available on (07) 3270 1500, and our emergency after hours contact number is 0419 710 868. You don’t have to worry as we lodge, liaise with third parties and manage your entire claim from start to finish.
Call us on (07) 3270 1500 to arrange cover today.