Ride-Share Car Insurance — Uber / Ola / Zoomy Drivers — NZ

Standard consumer motor policies in NZ exclude carrying passengers for hire and reward — which is what ride-share is. Most ride-share platforms require drivers to disclose this use to their insurer; consumer policies typically respond by excluding cover during ride-share trips or refusing cover altogether.

Ride-share-specific cover is typically obtained through: (a) a commercial passenger vehicle policy from a specialist underwriter (Protecta is one NZ option), (b) some platforms offer their own group-policy supplement for drivers, or (c) a commercial broker can place the cover.

Off-shift personal use of the vehicle may still be on the consumer policy — but check whether 'available on the ride-share platform' triggers commercial use even when no passenger is in the car.

Always declare ride-share use. Undeclared ride-share is the most common reason drivers find themselves uninsured at claim time.