Mercury clears up Cloudy Coverage issues with Uber

Thanks to Mercury for the clean and easy map showing how our Uber coverage works when it is added to the policy. You would be surprised at how cheap it really is.



Uber Coverage map

Transportation Network Companies (TNC) like Uber and Lyft are experiencing explosive growth as consumers embrace this convenient form of transportation in record numbers. This creates a very good opportunity for Mercury agents, because it also means that these companies need drivers – lots of them. And all of these drivers need insurance, which is why Mercury developed our new ride-hailing coverage.

We want this business and we think it’s a great opportunity to grow your book, too, so we’ve provided you with some information to help sell this coverage to your customers.

In fact, Mercury averages about one TNC claim per day, and many of these claims are being denied because the personal auto insurance policy only provides coverage when the TNC driver’s ride-hailing app is off. This means that many of your customers driving for these companies probably aren’t covered under their personal policies. Mercury’s ride-hailing coverage will close that gap and provide a solution by extending coverage during Period 1 of the drive cycle

Don’t ride-hailing companies have policies that cover their drivers?

In most cases, a company’s full commercial coverage doesn’t come into play until a ride has been accepted. During the time when a driver has logged into the company app, but not yet accepted a ride [Period 1], limited coverage may apply.

What about the driver’s personal auto policy?

Personal auto policies aren’t designed to extend coverage when transporting passengers for hire. In fact, most personal policies exclude this type of exposure, and many are extending this exclusion to include the time the ride-hailing app is on, but no fare has been accepted [Period 1].

When does Mercury’s ride-hailing coverage come into play?

This coverage extends drivers’ personal auto policies through Period 1 of the ride cycle, allowing drivers to obtain coverage not provided by their ride-hailing companies.

For example:

  • Excess Liability
  • Comprehensive and Collision
  • Uninsured Motorist*
  • Medical Payments


What is the cost of this coverage, and how do I add it?

An additional 8,000 miles will be added to the current mileage estimation calculation, and a surcharge of approximately 10% will be applied (the surcharge will vary slightly based upon coverages selected).

Simply select “TN Use” (Transportation Network) on the Vehicles screen for each vehicle being used for Ride-hailing (TNC), and answer the questions listed under “Additional Questions.”

About Daniel McKenna

Dan McKenna
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