Rideshare and delivery work sit in a gap that most drivers do not know exists, and the gap opens the moment the app does. A personal auto policy is not written for a car that is working.
Personal auto forms exclude driving for hire. The app being on is usually the trigger.
Three things that change the moment a car is used to earn money.
With the app off you are on your personal policy. Once it is on and you are waiting for a request, the platform typically provides only limited liability and nothing for your own vehicle. From accepting a job to completing it, cover is usually broader. The waiting period in the middle is where most drivers are thinnest and least aware of it.
Carrying food, parcels or groceries for payment is commercial use on a personal form, including in your own car for a few hours a week. The exclusion does not care whether it is a full-time job or occasional extra income.
Most carriers now offer one, it costs modestly, and it closes the waiting-period gap and extends your own collision cover to it. Driving without one is a decision rather than an oversight once you know.
The questions that decide whether a personal policy is the right instrument.
Including occasionally. The exclusion applies the same way to a few hours a week.
Not all do, and the ones that do not are a reason to move rather than to hope.
It differs by company and by phase, and it rarely covers your own vehicle while you wait for a request.
Tell us if any vehicle is used for rideshare or delivery, even occasionally.
We place the endorsement, or we tell you your carrier will not write it.
Request a quote