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 everyday car policy usually won't cover you while you carry paying passengers — a claim can be refused if you didn't declare rideshare use. These insurers explicitly cover Uber, DiDi & Ola driving. Premiums are a deductible business expense, and the GST is claimable on your BAS.
| Insurer | Typical cover | Indicative cost* | Standout feature | Best for |
|---|---|---|---|---|
| 1 YouiComprehensive |
Comprehensive rideshare | $1,600–$3,500/yr | Add ride-sourcing in the quote; customise excess | Tailored cover & flexible excess |
| 2 NRMAComprehensive |
Comprehensive + rideshare | ~$2,400/yr | Strong brand, can be cheaper for part-time use | Part-time drivers (East coast) |
| 3 AAMIComprehensive |
Extends to Uber/DiDi/Ola | $1,500–$2,100/yr | Hire car after a not-at-fault accident | Drivers wanting a hire car when off the road |
| 4 SuncorpComprehensive / TPFT |
Rideshare endorsement | From ~$190/mo | No additional rideshare excess; 24/7 cover | Drivers who want no extra rideshare excess |
| 5 BingleBudget TPFT / Comp |
Budget rideshare options | Lower premiums | Low-cost, simple online cover | Low-mileage & part-time drivers on a budget |
*Indicative annual comprehensive premiums for rideshare drivers, 2025–26 — costs vary widely by car value, postcode, kilometres and history. Always disclose rideshare (business) use and confirm cover in the PDS. Compare quotes from several insurers before buying.
⚠️ The key rule: tell your insurer you drive rideshare. If you don't declare business use, a claim can be declined — even on a comprehensive policy.
Standard personal car insurance excludes "driving for reward." If you crash while carrying a paying passenger and haven't declared rideshare, the insurer can deny the whole claim — leaving you to pay for the car yourself.
Cover is measured in phases: app off (personal use), app on waiting for a request, en route to a passenger, and on a trip. The best rideshare policies cover all four — cheaper ones leave gaps.
Comprehensive protects your own car too, not just others'. For a vehicle you rely on for income, comprehensive rideshare cover is almost always worth it.
Some insurers add an extra excess for rideshare claims. Suncorp and a few others don't — always check the excess on a rideshare claim, not just the standard one.
Your rideshare insurance premium is a business expense. The GST portion on your business-use share is claimable on your BAS and the rest reduces taxable income — ALITAX claims it for you.
The single most important rule: declare it. If you don't, a claim can be refused even on a comprehensive policy. Honesty upfront protects you when it matters.
"I didn't realise my normal policy wouldn't cover rideshare. Switched to proper cover and ALITAX claimed the GST back."
"This comparison made it easy to find cover that actually pays out for rideshare. Peace of mind for a deductible cost."
"Clear, honest advice on what cover I actually need. And the premium reduces my tax — win-win."