Does Travelers have rideshare insurance?
No, you can not get rideshare insurance from Travelers.
Despite what you may read elsewhere on the internet, Travelers doesn’t provide rideshare insurance. It won’t cover your car if you do gig work for Uber, Lyft, Doordash, or similar rideshare and delivery services. Travelers also will not provide commercial vehicle insurance.
That said, Travelers will provide coverage if you use your car for business/artisan use. That means drivers who take their vehicle to and from job sites—like electricians, plumbers, and carpenters—can still qualify for car insurance from Travelers. Here are some of the requirements:
Travelers also allows limited business usage of your car if you work in direct sales and service, or if you’re a professional who needs to visit multiple sites per day, like lawyers, doctors, real estate agents, and accountants. With Travelers, you can use your car for occasional business errands. If you have hired assistants like nannies or chauffeurs, they can use your vehicle, too.
What to do if you have Travelers car insurance and drive for a rideshare company
If you’re already driving for a rideshare company, you could be violating the terms of your insurance coverage with Travelers. The company could cancel your insurance. It also means that if you’re in an accident while working for the rideshare service, your insurance will not cover you.
The car insurance purchased by your rideshare employer is only effective when there’s a rideshare customer in your car.
If you’re going to work for a rideshare service, you cannot responsibly do so with a car insurance policy from Travelers.
What is the best rideshare insurance company?
Even though Travelers doesn’t offer rideshare insurance, other insurance companies do. Here’s a short list of some of the providers selling rideshare insurance: