Does Travelers Offer Rideshare Insurance?
If you have Travelers insurance and you want to drive for Uber, Lyft, Doordash, or other similar gig employers, you’ll need to find a new provider.
Written by Mary Alice Morris
Reviewed by Jessica Barrett
Travelers does not provide
rideshare car insurance
, nor will it cover your car if you use it for delivery service providers like Doordash. If you intend to use your car for commercial purposes, you’ll likely have to find another insurance provider.- Travelers does not provide rideshare insurance.
- Driving for a rideshare service without rideshare insurance puts you at legal and financial risk.
- Although rideshare insurance might cost more than a standard policy, it’s necessary if you plan to drive for a company like Uber or Lyft.
- Travelers does not provide rideshare insurance.
- Driving for a rideshare service without rideshare insurance puts you at legal and financial risk.
- Although rideshare insurance might cost more than a standard policy, it’s necessary if you plan to drive for a company like Uber or Lyft.
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:
- A policy can have no more than one artisan-use car
- The policyholder has to be the sole proprietor of the business
- No employees may drive the covered vehicle
- The policyholder may only take the car to a maximum of two job sites per day
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.
Uber and Lyft have commercial car insurance policies that include
bodily injury
and property damage liability coverage
during a rideshare service. Their insurance also includes collision
and comprehensive coverage
for drivers with their own full-coverage policies
. But the company-provided insurance from these rideshare services will only be in effect when a rideshare customer is in your vehicle—and they come attached to high deductibles
.The car insurance purchased by your rideshare employer is only effective when there’s a rideshare customer in your car.
Travelers will not pay for an accident that happens when your rideshare app is on and the rideshare company’s coverage won’t apply when there’s no customer in your car. This means for a significant portion of your workday, you would be an
uninsured driver
and at huge financial risk.If you’re going to work for a rideshare service, you cannot responsibly do so with a car insurance policy from Travelers.
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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:
Regardless of which provider you choose, coverage will likely cost you more than a regular insurance policy—anywhere from about $20 to $300 per year more. But if you’re concerned about the cost, you can find savings by
comparing car insurance quotes
before buying.You can talk to insurance agents directly or
compare quotes online
. Just be sure to get specifics on what each policy covers and what your rates will be."I just had to buy a new car, and I needed quick help to get insurance before I could get my plates. Because I work so many hours,Jerrywas the ideal choice for getting things done without long phone calls and waiting periods.” —Rosa G.
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FAQs
Should I tell my car insurance company that I work for a rideshare company?
Definitely. It’s not a good idea to use your car for rideshare services if your insurance provider doesn't know. The could cancel your policy and may deny your claim if you get into an accident.
If you’re in an accident while logged into your rideshare app, you could be left with damages to be paid out of pocket. Worse, you might be subject to a lawsuit in the case that your insurance doesn’t pay out.
What are the benefits of rideshare insurance?
Rideshare insurance will cover your liabilities if you’re ever at fault in an accident that causes damage to another person’s car or property. It can also provide collision coverage that extends through the time you’re working as a rideshare driver. It saves you from the risk of being an uninsured driver.
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