Driver guide · Victoria
Rideshare insurance in plain English: what the TAC, Uber and your own policy each pay for, and the gap most drivers miss.
Crash on a paid trip. Is your car covered?
Always check your own policy or membership terms.
The short answer
Rideshare insurance is car insurance that covers you while you carry paying passengers through apps like Uber and DiDi. Most personal car policies don’t, unless you tell your insurer and rideshare use is added to your policy. In Victoria, injuries are covered by the TAC through your registration, and Uber adds injury cover for drivers on a trip. Neither pays to fix your own car. That part is up to you.
Who pays for what
A rideshare car in Victoria is protected in layers. The first three are automatic or required. The fourth is the one you choose.
TAC, paid for through the TAC charge in your registration. It’s no-fault, and covers drivers, passengers and pedestrians. It doesn’t pay for cars.
Uber’s injury protection, from Chubb, at no cost to eligible drivers. It pays for certain injuries on a trip. It doesn’t cover your car.
Third-party property damage insurance. Uber requires it, and you buy it. It pays for damage you do to someone else’s car, not yours.
Nothing covers it unless you arrange it: a comprehensive policy with rideshare use added, Uber’s own pay-per-km policy, or a membership like Stallion. Every day it’s off the road is a day without fares.
Uber’s cover
Free, automatic
Applies from when you accept a trip until shortly after it ends.
Optional, paid
Insured by Vero, launched in 2026.
Watch out
Most personal policies don’t cover carrying paying passengers. Rideshare use has to be declared and shown on your certificate of insurance. If it isn’t, a claim for a crash on a trip can be refused.
Some policies cap rideshare use. NRMA Insurance, for example, allows up to 10 hours a week, and says a claim may be denied if you go over. A full-time driver can pass that in two shifts.
Uber’s own policy doesn’t cover driving for other apps such as DiDi. If you run more than one app, check that your cover includes every one.
By how you drive
The right option depends mostly on your hours and how many apps you use.
A few hours a week
Check: the weekly hour limit, and any extra excess for rideshare claims.
Uber only, hours go up and down
Check: what happens if you add DiDi later, and whether you get a car while yours is repaired.
Full-time, or more than one app
Check: where repairs happen, whether a replacement car is included, and any lock-in.
General information only, not advice about any insurance product. Read the product disclosure statement or membership terms before you decide.
Where Stallion fits
Stallion isn’t insurance. It’s a members’ association for Melbourne Uber, DiDi and taxi drivers. Membership covers your car on every app, with repairs through our repair partner, and a replacement vehicle when the crash isn’t your fault, from $110 a month.
Jargon, decoded
Usually not, unless you’ve told your insurer and rideshare use is shown on your policy. Most personal car policies exclude carrying paying passengers, and some that allow it cap the hours you can drive each week.
Not automatically. Uber’s free injury protection covers certain injuries to you on a trip, not damage to your car. Uber also sells an optional pay-per-km car policy, insured by Vero, through the Uber Driver app.
If rideshare use isn’t declared on your policy, your insurer can refuse a claim for a crash that happens on a trip. Tell them before your first trip, and again if your hours change.
Usually, because the car does more kilometres and carries passengers. How much more depends on the insurer, your hours and your car. Compare what’s included, such as repairs and a hire car, not only the price.
Check that your cover includes every app you drive for. Uber’s own pay-per-km policy doesn’t cover driving for other apps such as DiDi.
No. Stallion is a members’ association for Melbourne rideshare and taxi drivers. Members’ cars are covered under the membership agreement, not an insurance policy.
Rideshare and taxi cover from $110 a month. Two minutes to get a quote, no payment taken.
All checked 25 September 2026. This guide is general information, not advice about any insurance product. Stallion isn’t connected to Uber, DiDi or any insurer.