Comparing Auto Insurance Coverage of Gig-Drivers' Platforms

VOOM covers you while you're driving for personal use or while your app is open and you're waiting for a passenger.
However, when you're on an active gig trip, your protection relies on the platform's insurance, which varies greatly.

3rd party liability if your personal auto insurance doesn’t apply

$50,000 in bodily injury per person

$100,000 in bodily injury per accident

$25,000 in property damage per accident

$1,000,000 for 3rd party auto liability

Uninsured/underinsured motorist bodily injury and/or first-party injury insurance

Contingent Comp & Coll coverage (Only if same coverage exists on personal auto policy)

Up to actual cash value of car with 
a $2,500 deductible

3rd party liability if your personal auto insurance doesn’t apply

$50,000 in bodily injury per person

$100,000 in bodily injury per accident

$25,000 in property damage per accident

$1,000,000 for 3rd party auto liability

Contingent Comp & Coll coverage (Only if same coverage exists on personal auto policy)

Up to actual cash value of car with a $2,500 deductible

3rd party liability if your personal auto insurance doesn’t apply

$50,000 in bodily injury per person

$100,000 in bodily injury per accident

$25,000 in property damage per accident

$1,000,000 for 3rd party auto liability

Uninsured/underinsured motorist bodily injury and/or first-party injury insurance

Contingent Comp & Coll coverage (Only if same coverage exists on personal auto policy)

Up to actual cash value of car with a $2,500 deductible

Does not provide coverage

$1,000,000 for 3rd party auto liability in BI/PD.

Not relevant - work is scheduled in advance by "reserving delivery blocks"

$1,000,000 auto liability coverage, uninsured motorist/under-insured motorist coverage

Contingent comprehensive and collision coverage (passengers are not covered)

Up to $50,000 per incident with a $1,000 deductible

Does not provide coverage

$1,000,000 auto liability coverage, uninsured motorist/under-insured motorist coverage

Contingent comprehensive and collision coverage (passengers are not covered)

Up to $50,000 per incident with with a $1,000 deductible

Does not provide coverage

Does not provide coverage