
In the rapidly changing gig economy, working as a driver for rideshare services like Uber and Uber Eats has emerged as a popular way to earn some extra money. However, a common question that arises is, ‘Can we drive for Uber under someone else’s insurance?’ This article will address this issue.
From our experience, we have observed that you can surely drive for Uber under someone else’s insurance. However, there are crucial details and factors that you need to keep in mind.
Driving for Uber Under Someone Else's Insurance
The question of driving for Uber under someone else’s insurance is quite common among those who live in the same house or share the exact same vehicle. So, please take note of these critical points.
Insurance policy ownership:
Uber requires that the vehicle used for ridesharing is covered by valid insurance. Uber will never approve your vehicle if your name isn’t on the insurance card. Before 2022, many people drove for Uber under someone else’s insurance, even when the driver’s name wasn’t on the insurance card. However, the policy has now changed. Therefore, it’s mandatory for the person driving for Uber to have their name on the insurance card.
Shared vehicle or living in the same house:
Let’s construct a scenario: You’re 21 years old and don’t drive; hence, you don’t have car insurance. But you’ve thought about driving for Uber to earn some extra money. Now, your father has car insurance coverage, so can you drive? Yes, but you’ll need to contact your father’s insurance provider and ask them to add your name to your father’s insurance card, which will come under the ride-share endorsement. The insurance company will mail you this card, and you can verify this mail with Uber to start driving. Whether it’s a friend, brother, sister, or mother, this scenario will be the same. But you’ll need a commercial license, which costs around $60.
Suppose the car gets into an accident; the person whose name is on the official insurance coverage will be responsible. And if you get any traffic violations or tickets like parking, red light, the suspension of the license will be your responsibility.
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How Uber's Insurance policy work?
Understanding Uber’s Insurance Policy Before we dive into the details, it’s essential to understand the insurance framework that Uber provides.
Uber typically offers a three-tier insurance coverage system:
Stage 1: App is Off:
The driver’s insurance is in effect when the driver is not logged into the Uber app.
Stage 2: App is On:
No Passenger When the driver is logged in but has not yet accepted a ride request, Uber provides contingent liability coverage. This coverage acts as a backup to the driver’s insurance.
Stage 3: Ride in Progress:
Uber’s commercial insurance coverage takes precedence once a ride is accepted. This coverage includes liability, uninsured/underinsured motorist coverage, and contingent comprehensive and collision coverage.
Conclusion
While it’s generally allowed to drive for Uber under someone else’s insurance, it does come with responsibilities. Confirming that the insurance policy covers rideshare activities and getting the policyholder’s approval is essential. Open communication with the insurance provider is recommended, and if necessary, look into additional rideshare insurance options to fill any potential coverage gaps.
Author

Arjun Mano
Having more than 8 years of experience in writing and reporting about Insurance and Finance. He is working with Onis hub and providing valuable knowledge to our readers. Read full bio.