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Rideshare Insurance

What is ridesharing?

Ridesharing is when the owner of a car, or a driver listed on the insurance policy, uses the car to provide trips or journeys for passengers for a fee. This arrangement can be made via a website, app, or other means.

Taxis, hire cars, and cars used in car sharing schemes are not treated as ridesharing.

How can I get rideshare insurance?

It depends on your coverage needs. You can get coverage for ridesharing with all levels of Suncorp Car Insurance, and all will cover damage caused to other people’s cars or property in an accident. If you choose Comprehensive Car Insurance, you can get cover for your own car as well.

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Comprehensive Car Insurance

Save $50 when you quote and buy online

Covers accidental loss or damage to your car, as well as the cars and property of others caused by the use of your car. So, if you’re in an accident, we’ll help you get back on the road and earning money again ASAP. Great car insurance for Uber drivers, Ola drivers, and other rideshare drivers.

Helps take care of costs

  • Cover for accidental loss or damage caused by the use of your car
  • Cover for damage caused to your own car in an accident
  • Cover for damage caused by theft or attempted theft

Hire car after not-at-fault incidents

We’ll help arrange a hire car after an incident where your car is damaged and:

  • can’t be safely driven or is in for repairs,
  • we agree that you or the driver of your car wasn’t at fault,
  • you’ve provided us with the name, address and registration number of the at-fault driver.

This means we’ll cover the reasonable cost of the car using our provider, if they have one available within a  reasonable distance of your location. If they don’t, we’ll pay you the lesser of:

  • the amount it would have cost us, or
  • the cost you incur in making alternative travel arrangements.

Keeps you on the road

  • Hire car after theft for up to 21 days
  • Hire car after not-at-fault incidents
  • Optional hire car after any insured event for unlimited days (with Comprehensive Advantages cover only)
  • The same insurance cover on your hire car as your own car if we’ve arranged the hire car via our provider.

Offers peace of mind

  • Lifetime repair guarantee
  • 2 year new-for-old car replacement1

Offers handy optional extras

  • Roadside Assist
  • Windscreen and window glass cover

Third Party Property Damage

Save $20 when you quote and buy online

More affordable cover that helps take care of accidental damage caused by the use of your car.

  • Cover for loss or damage caused to someone else’s vehicle or property by the use of your car
  • Cover for damage to your car caused by a collision with another vehicle driven by an uninsured driver for up to $5,000

Fire, Theft and Third Party Property Damage

Save $20 when you quote and buy online

Helps take care of damage the use of your car may cause in an accident, as well loss or damage caused by fire or theft.

  • All the same benefits as Third Party Property Damage
  • Cover for loss or damage to your car caused by fire, theft or attempted theft

QUEENSLAND VEHICLES ONLY

 

The CTP Insurance that protects more Queensland families

Suncorp CTP Insurance provides compensation to other people injured in an accident, including passengers in your car, when you’re the at-fault driver. CTP Insurance is a compulsory cover.

Driver Protection Cover

Driver Protection Cover includes up to $1 million in benefits for specific serious injuries to eligible at-fault drivers. It also includes access to a lump sum payment of $5,000 which may help pay for upfront costs like medical and rehabilitation expenses.

QLD CTP Insurance

$30 gift card or charity donation

We’ll cover you for:

  • Liability for injuries caused to another person in an accident when you’re the at-fault drivert
  • Added Driver Protection Cover is included at no extra cost

Add Suncorp Roadside Assist to a Comprehensive Car policy from less than $95 per year with no joining fee.

Ways to save on Car Insurance

It’s easy to make a claim

If you’re involved in an accident while out ridesharing, it’s quick and easy to make a claim.

Awarded for our outstanding claims service

2016 - 2019

Frequently asked questions

Enjoy Suncorp Benefits with your policy

Save up to 15% with great deals at major retailers.

Discounts on everyday items
Save on groceries, fuel, entertainment, clothes and more

Savings on bigger purchases
Get great discounts on travel, furniture, electronics and exclusive offers

Instant access to rewards
Simply choose your reward on your phone and use it instantly

What is ridesharing?

Ridesharing is when the owner of a car, or a driver listed on the insurance policy, uses the car to provide trips or journeys for passengers for a fee. This arrangement can be made via a website, app, or other means.

Taxis, hire cars, and cars used in car sharing schemes are not treated as ridesharing.

Hire car after not-at-fault incidents

We’ll help arrange a hire car after an incident where your car is damaged and:

  • can’t be safely driven or is in for repairs,
  • we agree that you or the driver of your car wasn’t at fault,
  • you’ve provided us with the name, address and registration number of the at-fault driver.

This means we’ll cover the reasonable cost of the car using our provider, if they have one available within a  reasonable distance of your location. If they don’t, we’ll pay you the lesser of:

  • the amount it would have cost us, or
  • the cost you incur in making alternative travel arrangements.

Driver Protection Cover

Driver Protection Cover includes up to $1 million in benefits for specific serious injuries to eligible at-fault drivers. It also includes access to a lump sum payment of $5,000 which may help pay for upfront costs like medical and rehabilitation expenses.

After claim expenses

If your car's stolen or damaged in an incident we will pay up to a total of $1000 towards:

  • emergency travel and accommodation if your car's not safe to drive and you're more than 100klm away from home
  • emergency repairs to make your car roadworthy or safe so that you can get to your destination or to a repairer
  • replacing your personal property such as clothing or electronic and telecommunicaiton devices lost or damaged at the time of the incident.

Note: you need to provide us with all invoices and receipts

Hire car after theft for up to 21 days

We'll cover the reasonable cost of a hire car that meets your needs for up to 21 days following theft, or attempted theft following any approved claim. Conditions apply.
Please note: A hire car cannot be used by learner drivers.  Terms and conditions apply, see the PDS for full details

Uninsured Drivers

This applies when your car is damaged in a collision with another vehicle driven by an uninsured driver, but only if we agree that you are not at fault, and you give us the name and address of the uninsured driver or their vehicle's registration details.

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