Driver situations
The three periods of app-based driving and the gap in the middle
Driving for a rideshare or delivery platform changes your insurance position the moment you switch the app on. Most personal policies exclude carrying passengers or goods for payment, and the platform's own coverage is staged rather than continuous.
Period one runs from switching the app on until a job is accepted; platform coverage here is usually limited liability only, with no protection for your own car. Period two runs from acceptance to pickup, and period three covers the trip itself — both usually carry higher platform liability limits and contingent physical damage, subject to a large deductible.
A crash in period one is the classic problem: the personal insurer declines because the app was on, and the platform provides only limited liability with nothing for your own vehicle. A rideshare endorsement on your personal policy is designed precisely for that window.
An endorsement suits part-time drivers on mainstream platforms. Full-time driving, multiple vehicles, employed drivers, or carrying goods for a business generally require a commercial auto policy with higher limits and different rating.
Read the platform's insurance page for its current limits and deductibles, ask your insurer for the endorsement price in writing, and keep records of your online hours — they matter if fault or period status is disputed.
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