Why Switch to VOOM?

Compare rideshare coverages of personal auto policy to VOOM hybrid policy

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Provider

Period 0

Period 1

Periods 2 & 3

Traditional Personal Auto Policy

Most personal auto policies exclude liability & physical damage coverage unless a rideshare endorsement is added

  • Up to $1,000,000 third-party liability

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

  • Contingent comprehensive and collision up to the actual cash value of your car, with a $2,500 deductible.

The platform deductible is an out of pocket expense regardless of your personal auto deductible level.

Voom Coverages for Uber, Uber Eats
& Lyft Drivers

Pay only for what you drive
‍

  • VOOM provides any excess liability required to meet your policy limits.
    ‍

  • Physical damage is provided by Voom with your elected deductible

  • Up to $1,000,000 third-party liability

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

  • Contingent comprehensive and collision up to the actual cash value of your car, with a $2,500 deductible.

Voom Coverages
for Amazon Flex
drivers

Pay only for what you drive
‍

VOOM Policy offers Amazon Flex drives a coverage in this period, while in Amazon Flex,
it's not exist on as work is scheduled  by “reserving delivery blocks” and not sourced on demand

  • Auto liability coverage of $1,000,000

  • UM/UIM coverage

  • Contingent comprehensive and collision coverage (Physical damage)

Voom will cover any difference in deductibles when offered by the platforms

Voom Coverages
for DoorDash & Postmates drivers

Pay only for what you drive
‍

VOOM Policy offers DoorDash & Postmates drivers coverages in period 1 that are not covered by the Platforms . Voom excess liability coverage and physical damage coverage* will apply.

  • Up to $1,000,000 in BI/PD to third parties while on an active delivery

  • No physical damage coverage is provided by the platforms.

Voom cannot provide deductible buydown coverage.

Provider

Personal Auto Policy

Voom Policy

(Uber, Uber Eats & Lyft)

Period 0

Period 1

⍻

Most personal auto policies exclude liability & physical damage coverage unless a rideshare endorsement is added (some endorsements may still not cover physical damage).

  • State minimum liability coverage is provided by gig-platforms.

  • Voom provides any excess liability required to meet your policy limits.

  • Physical damage is provided by Voom with your elected deductible

Periods 2 & 3

⍻

Platforms will provide:

  • Up to $1,000,000 third-party liability

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

  • Contingent comprehensive and collision up to the actual cash value of your car, with a $2,500 deductible.

The platform deductible is an out of pocket expense regardless of your personal auto deductible level.

⍻

Platforms will provide:

  • Up to $1,000,000 third-party liability

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

  • Contingent comprehensive and collision up to the actual cash value of your car, with a $2,500 deductible.

Voom will cover any difference in deductibles*.

Provider

Voom Policy

(Amazon Flex)

Voom Policy

(Doordash/Postmates)

Period 0

Period 1

This period does not exist on Amazon Flex as work is scheduled in advance by “reserving delivery blocks” and not sourced on demand.Voom policy is in effect until the beginning of an active “delivery block”.

Platforms will not provide any coverage during this period. Voom excess liability coverage and physical damage coverage* will apply.

Periods 2 & 3

  • Auto liability coverage of $1,000,000

  • UM/UIM coverage

  • Contingent comprehensive and collision coverage (Physical damage)

Voom will cover any difference in deductibles*

  • Up to $1,000,000 in BI/PD to third parties while on an active delivery

  • No physical damage coverage is provided by the platforms.

Voom cannot provide deductible buydown coverage.

Status

Standard Personal Policy

VOOM Hybrid Policy

Offline

One size fits all' pricing

Pay only for what you drive

Online
‍Waiting for a passenger

Excluding commercial activity without rideshare endorsement

No coverage without rideshare endorsement. Coverage by TNC

Liability coverage by the rideshare platform. VOOM offers excess liability in including Physical damage, UM/UIM, Medical Payment

Policy exceeds TNC coverage

Online
‍Driving to / with a passenger

No coverage by a standard auto policy. You'll be covered only by the TNC coverage. However, you will have a high deductible for physical damage claims ($2,500)

No coverage without rideshare endorsement. Coverage by TNC with High deductibles

You'll be covered by the TNC platform and VOOM policy provides a deductible cap coverage to reduce your out of pocket expenses for the platform deductible ($2,500)

Policy provide coverage
to fill any deductible gaps

Offline

Standard Auto Policy

VOOM Hybrid Policy

Standard Pricing

'One size fits all' pricing

Pay only for what you drive

Pay only for what you drive

Online,
‍Waiting for a passenger

Standard
Auto Policy

VOOM Hybrid Policy

Excludes commercial activity without rideshare endorsement

No coverage without rideshare endorsement. Coverage by TNC

Covered by the platform. VOOM will excess liability in accordance with your policy limits and offers
Physical damage, UM/UIM, Medical payment

Policy exceeds TNC coverage
‍

Online,
‍Driving to or with a passenger

Standard Auto Policy

VOOM Hybrid Policy

Excludes commercial activity coverage without rideshare endorsement. you'll be covered by the platform with a high deductible for physical damage claims ($2,500)

Platform policies have a high deductible for physical damage claims ($2,500)

No coverage without rideshare endorsement. Coverage by TNC with High deductibles

You'll be covered by the platform and VOOM   deductible cap coverage helps to reduce your out of pocket expenses for the platform deductible ($2,500)

Policy provide coverage
to fill any deductible gaps