Optimal Protection for Ride-Hailing Drivers
Discover the bespoke ride-hailing driver insurance from nextsure. Comprehensive coverage, flexible rates, and digital processing for your safety in the passenger transport industry. Find out more now!
Tailored Protection
Flexible Tariffs
100% Digital
Why a specialised ride-hailing driver insurance is essential
Covers gaps in private vehicle protection
Complies with legal requirements for passenger transport
Provides safety in accidents with passengers
Protects your income and your livelihood
The core services of our ride-hailing driver insurance in detail
Our ride-hailing driver insurance at nextsure is specifically designed to meet the unique needs of drivers in the passenger transport industry. A key component is the motor vehicle liability insurance, which goes beyond standard protection and covers the statutory coverage amounts for transporting passengers. This includes any damages you may cause to third parties. Additionally, we offer comprehensive comprehensive coverage options. The partial comprehensive insurance covers damages caused by external influences such as theft, fire, storm, or glass breakage. For full protection of your vehicle, we recommend fully comprehensive insurance, which also covers self-inflicted accident damage and vandalism - an important aspect for drivers who frequently operate in urban areas. Another optional but important component can be passenger accident insurance, which provides additional protection for your passengers in the event of an accident. Special roadside assistance services, tailored to the needs of ride-hailing drivers, such as quick breakdown assistance or a replacement vehicle, minimize your downtime. It is essential that our protection also includes empty journeys between bookings, so you are always traveling with peace of mind. nextsure thus ensures seamless coverage of your professional activities as a driver for platforms like Uber, Bolt, or FreeNow.
nextsure Special Insurance
Our services for ride-hailing drivers
Liability Insurance
Statutory protection against personal injury, property damage, and financial losses to third parties, tailored to commercial passenger transport.
Comprehensive insurance coverage
Partial or fully comprehensive cover for damage to your own vehicle, including for business use and vandalism.
Driver protection
Important coverage for personal injuries sustained by the driver in an accident caused by themselves or for which they are partly at fault.
Passenger protection
Optional extended protection for your passengers in the event of an accident during the journey.
P-Schein
Our rates take into account the specific requirements for drivers with a passenger transport licence (P-Schein).
Digital-Service
Quick online completion, digital contract management, and straightforward online claims reporting via our customer portal.
Tariff options
Flexible tariffs and sensible additional components for your individual needs and optimal protection as a ride-hailing driver.
Immediate Assistance
Quick support and competent claims handling in case of emergency by our dedicated team of experts.
Excellent advice
Expert and personalised advice on all aspects of your ride-hailing driver insurance from our specialists.
Safely on the road in the passenger transport industry with the right protection.
Don't wait any longer.
Optimise your ride-hailing protection now!
Distinction from Private Car Insurance: What Ride-Hailing Drivers Need to Know
Many drivers underestimate the significant differences between private car insurance and the necessary coverage required for commercial activities such as ride-hailing. A private policy is designed exclusively for personal trips. As soon as you use your vehicle for paid passenger transport, this coverage typically ceases. Insurers assess the risk of commercial use, particularly in the ride-hailing sector with frequent trips in urban areas and changing passengers, as significantly higher. The consequences of insufficient insurance are substantial: in the event of a claim, the insurer may refuse to provide coverage, reclaim payments already made (recourse), or terminate the contract. Furthermore, you would be violating legal provisions of the Passenger Transport Act (PBefG), which mandates adequate insurance coverage. Therefore, specific ride-hailing driver insurance is not an option but an essential necessity to protect yourself from financial ruin and legal issues. It takes into account the higher mileage, increased accident risk, and responsibility towards your passengers.
Pricing and Cost Factors of Ride-Hailing Driver Insurance
The cost of ride-hailing driver insurance is influenced by various factors that allow for an individual risk assessment. Key pricing elements include the type of vehicle and its engine, the regional class of your registration district, and the type class of the vehicle model. Your personal no-claims discount class (SF-class) also plays a crucial role; accident-free driving is rewarded. A significant factor is the annual mileage you cover as part of your ride-hailing activity. The driver's age and the length of time they have held a driving licence may also be taken into account. The amount of the chosen excess in comprehensive insurance directly affects the contribution: a higher excess leads to lower premiums. Additional elements such as driver protection or extended passenger accident insurance also impact the overall price. At nextsure, we value transparency and help you find a plan that offers optimal protection at fair conditions. Use our online calculator or get personalised advice to calculate the costs for your specific situation.
Requirements for obtaining a ride-hailing driver insurance with nextsure
To take out ride-hailing driver insurance with nextsure, some basic requirements must be met to ensure your and your vehicle's suitability. A valid German driving licence of the appropriate class is absolutely necessary, as well as a valid passenger transport licence (P-Schein) if this is regionally required for your activity. Your vehicle must be approved or become approved for commercial passenger transport and meet the technical requirements. Usually, proof of your registration or activity with a recognised ride-hailing platform (e.g. Uber, Bolt, FreeNow) is also required. A minimum age for the driver and certain driving experience may also be among the criteria. As part of the digital application process with nextsure, all necessary documents and information are requested. Providing accurate information is crucial for effective insurance coverage. Our aim is to make the process as simple and transparent as possible for you, so that you can get started quickly and well insured.
Incident: How to Act Correctly as a Ride-Hailing Driver
In the event of an accident or damage during your work as a ride-hailing driver, prompt and correct action is crucial. The top priority is to secure the accident site and attend to any injured persons – provide first aid and call for emergency services and police (110/112) if necessary. Inform your passengers of the situation and ensure their safety. Carefully document the accident scene and any resulting damage: take photos from different angles, note down registration numbers, names, and addresses of those involved as well as witnesses. If possible, fill out a European accident report. Report the damage to your ride-hailing driver insurance at nextsure without delay. Have your policy number and all relevant information regarding the accident ready for this. Our claims service is at your side and will initiate the next steps for settlement. Avoid admitting fault at the accident site. A timely and precise report enables swift processing and helps minimize financial disadvantages.
Guide
Commercial vehicle insurance
Blog article
P-Schein Obligations
Service
Report damage online
Additional modules and extensions: Optimize your insurance coverage
Beyond the essential motor liability and comprehensive insurance, nextsure offers valuable additional modules to optimize your insurance coverage as a ride-hailing driver. A particularly recommended addition is driver protection insurance. This covers personal injuries you sustain as a driver in an accident you cause, either entirely or partially, thereby closing an important gap since motor liability does not cover this. For enhanced protection of your passengers, you can take out an accident insurance for passengers. A legal protection policy specifically for commercial drivers helps you assert your legal rights in disputes related to the vehicle or traffic violations. For financed or leased vehicles, GAP coverage can be beneficial, as it covers the difference between the replacement value and the remaining balance of the leasing or credit agreement in the event of a total loss or theft. Extended breakdown cover ensures you receive prompt assistance with breakdowns and minimizes downtime. We are happy to advise you on which additional modules offer the greatest value for your specific situation as a ride-hailing driver.
Digital conclusion and management of your ride-hailing insurance at nextsure
nextsure as your digital insurance portal places the greatest emphasis on a simple, fast, and transparent handling of your ride-hailing driver insurance. You can conveniently complete the entire process, from tariff calculation to conclusion, online from home or on the go. Our intuitive online tariff calculator allows you to receive a tailored offer with just a few details. The subsequent application process is fully digitalized; required documents can be easily uploaded. After a successful review of your data, you will usually receive your electronic insurance certificate (eVB number) very promptly via email, allowing you to register your vehicle for commercial use immediately. The management of your contract is also carried out digitally through our secure customer portal. Here, you can view your contract data at any time, make changes, or report a claim online effortlessly. We rely on the latest security standards to ensure the protection of your personal data at all times, offering you maximum comfort and efficiency.
Ride-Hailing and the Future of Mobility: Insurance Trends
The ride-hailing sector is a dynamic driver of the urban mobility transformation, presenting new challenges and opportunities for the insurance industry. nextsure closely monitors these developments to consistently offer you innovative and suitable insurance solutions. One trend is usage-based insurance (telematics tariffs), where individual driving behaviour or actual usage duration directly influences the premium ("Pay-as-you-drive" or "Pay-how-you-drive"). This can be particularly attractive for ride-hailing drivers. The increasing prevalence of electric vehicles in ride-hailing requires specialised coverage concepts that appropriately secure components such as the battery, the most valuable part. In the long term, autonomous driving will also become relevant in the ride-hailing context, necessitating entirely new approaches to liability issues and product design. nextsure positions itself as an agile insurtech partner, actively shaping these trends and developing insurance cover that meets the demands of modern, digitalised, and evolving mobility, ensuring you as a ride-hailing driver remain well-protected in the future.
Do I need special insurance as a ride-hailing driver?
At nextsure, customer satisfaction is our top priority. We are proud to provide numerous ride-hailing drivers in Germany with reliable and tailored insurance coverage. While we do not provide detailed individual customer stories for privacy reasons, the positive feedback we receive reflects our commitment. Drivers frequently praise the straightforward and swift digital application process, which enables them to quickly obtain the necessary insurance coverage. The transparency of our tariffs and the ability to customise coverage with additional modules are also appreciated. In the event of a claim, we place the greatest importance on prompt and fair settlement, as we know your vehicle is your working tool. Our expert service team is praised for its competence and accessibility. These testimonials reinforce our mission to offer top-quality niche insurance as a digital insurance portal and to earn our customers' trust anew every day. Your safety and satisfaction are our motivation.
