With VOOM, you only pay for the miles you drive plus a low monthly base rate.
To get started, you send us a photo of your odometer and we calculate the miles . We add those miles at your per-mile rate to your base rate, and that’s what you pay. It really is that simple.
Here is an example - John has a base rate of $15 and a per mile rate of $0.09. He rode 100 miles this month, so his monthly total is $24
VOOM insurance policies are currently available for riders in Arizona, Indiana, Illinois, Ohio, Wisconsin, Oklahoma, Iowa, Texas, Missouri, Alabama, Colorado, Tennessee, Oregon, Minnesota, Maryland and soon in more states!
To learn more about when VOOM will be available in your state, contact support@voominsurance.com
To update your billing information or payment details please contact support@voominsurance.com.
Read more: How to update my credit card details?
Yes, the VOOM policy is intended to replace your existing personal auto policy, it covers both your personal use up to the policy limits, as well as other gaps that arise from your Gig work that most traditional policies don't cover.
Our policy specifically excludes any losses that arise from/at an organized event, which would include things like training courses or other track events. However, if you are riding your bike at a track on your own and not part of any event that is taking place, coverage could still be provided.
An uninsured motorist is one that does not carry insurance.
An underinsured motorist is one that does not carry enough insurance.
Uninsured/Underinsured Motorist Bodily injury coverage provides that if you suffer bodily injury, sickness, disease, or death resulting from an accident with a hit-and-run driver or a person who does not carry liability insurance (uninsured), or does not carry sufficient limits of liability insurance (underinsured), and if that person is at fault, you may make a claim against your own insurance company for damages rather than against the uninsured/underinsured motorist.
VOOM does not look at your driving behavior. We do not use any location or tracking devices to analyze driving behavior. The only thing we consider when it comes to pricing is the number of miles ridden. This is proved by uploading an image of your odometer several times a year.
Yes. VOOM is regulated as an insurance producer (agency).The company is licensed in the following states:
VOOM is a licensed insurance producer.
Our insurance policies are underwritten by Markel Insurance Company, rated A "Excellent" insurance company for financial strength by AM Best.
Additional info: How is VOOM regulated?
By adding this coverage to your policy, if you are stuck or have an accident anywhere in the US, this coverage will provide you with 24-hour emergency roadside assistance. The expense to tow your motorcycle will be covered, and you will have access to delivery of supplies, emergency tire and battery services, customized road mapping services, and a locksmith.
We insure most types of motorcycles including: sport bikes, cruisers, touring bikes, scooters, dirt bikes, trikes and some custom bikes.
If for any reason you cannot locate your make and model on our system, please contact our representatives for a personalized quote for your bike at support@voominsurance.com.
At the end of each billing period the card on file will be charged and you will get a billing statement via email. This payment is based on the miles reported during that period, as seen through the odometer reading.
VOOM offers different types of coverages according to your needs. Our policies help protect you from financial liability if your motorcycle is involved in an accident, or is stolen or damaged - just like all other major motorcycle insurers.
All our policies include at least the minimum liability coverages required by your state, with the option for increased coverages, depending on your needs and budget.
Read more about our policies here - What type of policies do you offer
Collision means the upset, or collision of any insured motorcycle with another object. Collision Coverage will pay for direct and accidental loss to any Insured Motorcycle and its original factory equipment, caused by a collision. This coverage is subject to a deductible shown on the Declaration Page of your policy.
There is no limit to the number of motorcycles that can be listed on your policy.
We do not use any location or tracking devices to analyze driving behavior.
The number of miles reported is validated by uploading an image of your odometer on a periodic basis.
This is exactly what per-mile insurance is for!
While your policy cannot be paused, if you don’t ride, you do not pay the per mile rate, and you have the option of removing any coverages that you are not using, (and that are not mandated by the state or a lienholder) - during that period of time.
With comprehensive coverage, your policy will pay for direct and accidental loss to any insured motorcycle, not caused by a collision. This includes damage resulting from a fire, falling objects, accidental breakage of glass, loss or damage from vandalism, or malicious mischief, theft or larceny, lightning, explosion, earthquake, windstorm, hail, water, flood, or contact with bird or animal. This coverage is subject to a deductible shown on the Declaration Page of your policy.
It's important to understand that the traditional auto insurance policies exclude any commercial activity unless there's a rideshare endorsement. With your rideshare platform you are covered with a minimal state liability minimum, while with VOOM, you can enjoy an Hybrid policy that exceeds the platform coverage and offers excess liability in including Physical damage, UM/UIM, Medical Payment.
All VOOM policies are underwritten by Markel Insurance Company.
To cancel your policy please contact support@voominsurance.com.
Once a policy is bound, there is a minimum earned premium of $50.00 per policy on any insured requested cancellation.
All SkyWatch.AI payment transactions are done through a 3rd party payment service - Stripe.
Stipe is a PCI DSS Level 1 provider (the highest standard available). Your card details are never disclosed or processed by SkyWatch.AI.
If you wish to add a new motorcycle to your policy, please contact us at support@voominsurance.com
You will receive a reminder by email and text message, with a link to upload your updated odometer photo. After uploading, you will be charged according to the miles you rode!
If we do not receive your photo within 5 days, you will be charged according to a predefined default mileage of up to 500 miles for that month.
No worries though! This default mileage will be used as a credit for the following months if you actually rode less!
For example, Steve Jones has a policy with an $8 fixed rate and 10c per mile rate.
If Steve rides 100 miles in a particular month, after sending in his odometer reading he will be charged $18
What happens if Steve doesn’t upload his odometer?? He’ll pay a default mileage of 500 miles, meaning he will be charged $58. When he uploads his odometer in the following months, he will not pay for the first 500 miles that have already been paid for.
Sharing your mileage is easy. Once you activate your policy you'll get a text message to your mobile phone with a unique link that will allow you to share a snapshot of your odometer through your mobile phone. Afterwards we will send you a reminder when to share an updated snapshot.
You will be covered by the rideshare platform, and in addition VOOM’s policy will provide a deductible cap coverage reducing your out of pocket expenses for the platform's deductible ($2,500)
The credit card on file will be billed, and coverage will be continued automatically. You can choose to send a new odometer image every month in order to keep the rate based on your mileage. If not, each month you will be charged based on a default mileage. For more information - How will I be charged if I forget to upload my odometer image?
Renewal will be done on an annual basis.
With a traditional car insurance policy, when the app is offline, you will always pay a “one size fits all” price, regardless if you are not driving for personal use or if you are driving for Uber Lyft, et al. With VOOM, you will pay only for the miles driven during your personal use.
Your monthly payment has two parts - a fixed rate and a per-mile rate.
You will receive a reminder by email and text message, with a link to upload your updated odometer photo when it is time. After uploading, you will be charged according to the miles you rode!
Steve Jones has a policy with an $8 fixed monthly rate and 10c per mile rate.
If Steve rides 100 miles in a particular month, his per-mile rate will be $10 and his overall monthly payment will be $18.
Read more: How will I be charged if I forget to upload my odometer image?
VOOM motorcycle insurance program offers three different types of policy packages:
Coverage is subject to the actual policy terms and conditions.
By paying a premium for uninsured motorist coverage for the motorcycle listed on your policy, this coverage will pay damages for bodily injury which any insured is legally entitled to recover from the owner or operator of an uninsured motor vehicle. An uninsured motor vehicle means that the driver does not have coverage to pay for damages to others. In some cases the uninsured driver will pay out of pocket, but this is not the standard. For this reason, you can opt to protect yourself from such situations and file a claim through your policy. For this coverage to take effect, the bodily injury must be caused by an accident and arise out of the ownership, maintenance, or use of the uninsured motor vehicle.
You can purchase additional coverage for your motorcycle accessories up to $30,000. In the case you purchase new accessories or upgrade your bike, you can always update the accessory value of your bike by contacting us at support@voominsurance.com.
Acceptable non‐stock accessories include, but is not limited to, saddlebags, fairing, windshield, light bars, helmets, sissy bar, luggage rack, safety guards, highway pegs, crash roll bar, CB radio, AM/FM stereo radio, intercom system, cruise control, trunk engine guard, custom seats, cargo trailer, sidecar, campers, riding leathers, custom exhausts, easy rider or high stacks, custom paint, custom gas tank, and performance-enhancing equipment.
Get a quote in no-time using this link!
A claim can be filed using the following Claim Form.
You will be asked to provide:
Once you have submitted your detailed report, a VOOM claims representative will be in touch with you as soon as possible.
Questions regarding claims can be sent to claims@voominsurance.com
An updated image of your odometer should be shared 3 times a year. Don't worry, we will send you a reminder just in time.
In case no image was shared your coverage will not be affected and you will be charged a default amount. If an image is shared with lower mileage, your future payments will be adjusted accordingly.
Your VOOM motorcycle policy will not cover the following:
**Please review your policy for all coverages, terms, conditions and exclusions.
We will send you a series of reminders via text and email when it's time to send in your odometer reading.
Each text and email will have a hyperlink that you click on to automatically open the camera in your smartphone. Simply take a photo of your odometer, and the image is automatically transmitted to our computers where our system takes care of the rest.
Please make sure that your odometer is indeed showing the correct mileage, and is not on trip mode (see good and bad examples below)
You can easily update your credit card details through the following link - update credit card.
If you need further assistance, you can always contact our support team at support@voominsurance.com or by phone at (650) 332-9128 and we will be happy to help!
To define the number of miles you ride, all we ask for is a photo of your odometer! We care about your privacy so we do not use any location or tracking devices.
We will send you a series of reminders via text and email when it's time to send in your odometer reading.
Each text and email will have a hyperlink that you click on to automatically open the camera in your smartphone. Simply take a photo of your odometer, and the image is automatically transmitted to our computers where our system takes care of the rest.
This coverage will pay for your bodily injury, sickness, or disease medical expenses suffered in a motorcycle accident while operating by the insured motorcycle, regardless of fault. This includes reasonable and necessary medical, surgical, chiropractic, and dental treatment, professional nursing, hospital, x-ray, ambulance and funeral services, and prosthetic devices. Medical expenses will be paid within one year from the date of the accident and are subject to the declared deductible on the declaration page. Such coverage extends to others operating your motorcycle with your permission, as well as passengers involved.
VOOM policies can be purchased online with a credit card or by ACH payment.
Our payment provider, Stripe, accepts most major credit cards including American Express, Visa, Discovery, and Master Card.
VOOM Rideshare Insurance does not cover Uber Black services. For Uber Black, drivers are required to have commercial insurance similar to what is needed for taxis, as our policy does not extend to periods 2 and 3 of rideshare driving that Uber Black entails.
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