Your everyday policy usually won't cover you while carrying paying passengers. We compare Australia's top rideshare insurers — what cover actually means, typical costs, and how to claim the GST back on your BAS.
Your standard policy usually won't cover you while carrying paying passengers. These insurers explicitly offer rideshare cover.
| Insurer | Typical / year | Best for | Notes |
|---|---|---|---|
| 1 YouiSpecialist | $1,600–3,500 | Tailored rideshare cover | Cover across all driving phases; usage-based pricing |
| 2 NRMAMajor insurer | ~$2,400 | Add-on to comprehensive | Rideshare added to a standard comprehensive policy |
| 3 AAMIMajor insurer | $1,500–2,100 | Established brand cover | Rideshare option on comprehensive cover |
| 4 SuncorpMajor insurer | ~$190/mo | No extra rideshare excess | Monthly option; check rideshare-specific excess |
| 5 BingleBudget | budget | Lowest-cost cover | Basic cover — confirm rideshare inclusions carefully |
Indicative 2026 premiums. Actual cost depends on your car, location, age, driving history and level of cover. Always confirm rideshare use is explicitly covered before you rely on a policy.
The single most important rule: tell your insurer you drive rideshare. Here's what to look for.
Standard personal insurance excludes "driving for reward." Crash while carrying a paying passenger without declaring rideshare, and the insurer can deny the whole claim.
App off, app on waiting, en route to a passenger, and on a trip. The best policies cover all four — cheaper ones leave gaps.
Comprehensive protects your own car too. For a vehicle you rely on for income, it's almost always worth it.
Some insurers add an extra excess for rideshare claims. Always check the excess on a rideshare claim, not just the standard one.
Your premium is a business expense. The GST on your business-use share is claimable on your BAS — ALITAX claims it for you.
The one rule that protects you: declare it. If you don't, a claim can be refused even on a comprehensive policy.
Your rideshare insurance premium is a business expense. The business-use portion is deductible, and the GST is claimable on your BAS.