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Didi Insurance

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Didi insurance

Didi insurance NZ

Didi insurance is a specific type of vehicle insurance tailored for drivers who work with Didi, a popular ride-sharing platform in New Zealand (similar to Uber). This insurance helps protect drivers, passengers, and their vehicles in the event of any mishap or unforeseen incident that might occur while offering Didi services.

Why is Didi insurance important? 

Didi insurance is not a luxury but a necessity. Private vehicle insurance does not cover Didi driving so Didi insurance fills this gap, ensuring that you remain covered.  

In New Zealand, the average cost of Didi insurance typically ranges between $80 – $200 per month. 

What covers are typically included in Didi insurance? 

Business Vehicle Insurance

Protects vehicles used for didi purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for business and personal activities.

Best For
  • Repair costs
  • Third party damages
  • Injuries 

Loss of use

Coverage that helps when your vehicle is unusable due to an accident. It covers the cost of a temporary replacement vehicle, so you can still get around while your car is being repaired.

 

Best For
  • Temporary vehicle
  • Reimbursement expenses
  • Accident downtime

How much does Didi insurance cost?

Didi insurance premiums are calculated on several different factors including:

  • Types of cover
  • Vehicle sum insured
  • Location 
  • Claims History 

Didi insurance in NZ typically costs between $80 to $200 per month

Who needs Didi insurance?

Anyone intending to drive for Didi in New Zealand needs Didi insurance. This includes:

  • Full-time drivers looking to make a regular income.
  • Part-time drivers seeking supplemental income.
  • Vehicle owners leasing their cars to Didi drivers.

No, regular car insurance only covers personal use. Didi driving is considered a commercial activity. You’ll need Didi-specific insurance to be properly protected.

No, you need a business or commercial vehicle insurance policy with Didi driving noted. 

How do I get a Didi insurance certificate?

You can usually get proof of Didi insurance same day when you purchase insurance through Gerrards.

Acquiring a Didi insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or lease.

To obtain insurance coverage promptly, contact one of our Didi insurance brokers. We may require you to provide some fundamental details about your business, such as:

  • Your full name
  • The sum insured of your vehicle 
  • Location of driving
  • Claims history

What does Didi insurance not cover?

Driving Under Influence

Accidents while under the influence of drugs or alcohol aren’t covered.

Undisclosed Modifications

Any changes to the vehicle not informed to the insurer. If you’ve modified your vehicle in ways that haven’t been reported to your insurer, and these modifications lead to an accident, your claim might be denied.

Driving Didi Under Influence

Accidents while intoxicated. Accidents occurring when the driver is under the influence of alcohol or drugs won’t be covered.

Other common questions about Didi insurance

Your Didi insurance will likely cover damage caused by passengers, but always ensure this is included in your specific policy.

Yes, comprehensive Didi insurance policies usually cover vehicle theft. However, it’s essential to double-check with your provider.

If you are stopping Didi driving for a while, some insurers will allow you to switch to a private vehicle policy and then switch back. 

If your claim is rejected, you can appeal the decision with your insurer or seek advice from an insurance broker, like Gerrards, for further guidance.

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