E-hailing Driver Insurance

E-hailing Driver Insurance (Uber and Bolt)

Your guide to e-hailing in South Africa with the right cover! When global e-hailing giant Uber launched in South Africa in 2013, it changed the face of the local taxi industry. Three years later, Bolt entered the scene and others followed, making e-hailing a part of everyday life in SA and a source of income for several thousand people. If you’re looking to tap into this opportunity and become an e-hailing driver, you’ll need to understand how the insurance works.

E-Hailing 101

An e-hailing platform like Uber or Bolt connects passengers and drivers via a mobile app. It offers more convenience than traditional transport options, giving passengers the ability to choose routes, track rides, and select destinations—all from their smartphones. Payments are usually processed through the app, though some services also accept cash.

How to Become an E-Hailing Driver

To drive for an e-hailing platform in South Africa, you'll need a Public Operating Licence, which allows you to transport people for commercial purposes. Here’s what you’ll typically need to apply:

• RSA ID or valid passport
• RSA Professional Driving Permit (PrDP)
• Proof of address (not older than 3 months)
• Tax clearance certificate and SARS Compliance PIN
• Vehicle roadworthy certificate (double disc)
• Vehicle certificate of registration

Note: Each e-hailing platform has its own additional requirements. Be sure to check the specific platform’s onboarding process and standards before applying.

While there isn't such a specific product yet, as an e-hailing driver you should think of yourself as an entrepreneur who is running a business. Every business has risks that it needs to manage, and it's no different if you're a Bolt or Uber driver. Some of these risks include injury, disability and death, as well as vehicle damage, theft, protest action and third-party incidents.

Some e-hailing platforms offer cover to drivers and passengers, so you need to consider this when deciding which platform to work with. Once you've made a choice, then think about your holistic insurance needs and what gaps still need to be taken care of.

Other Types of Insurance to Consider

Car Insurance can be a financial lifesaver in the event of accident. It will help you cover the costs of repairing (or replacing) your car or the vehicles of other parties that were damaged as a result of your actions. As an e-hailing driver, you'll be using your car for business reasons, so it's important that you insure it with appropriate Business Insurance cover. Personal Car Insurance will not be valid.

Add-ons and Benefits for e-Hailing

When taking out insurance, it's good to have certain add-ons that will make it possible for your business to stay on the road. For example, a car hire benefit (or Loss of Use option) will enable you to keep transporting passengers using a rental car if yours is not operational after an accident or is stolen.

Other add-ons or benefits could include Roadside Assistance, Emergency Medical Assistance, Business Concierge (which allows your insurer to procure goods such as tyres for your business vehicel, often at a discounted price) and Business All Risk Insurance, which covers the cellphone and GPS equipment you use to pick up and drop off passengers.