Honestly, I’ve been down this road with my S-Class and it’s a headache. The “rideshare” add-ons sound good on paper, but when you actually need them, the hoops you jump through are ridiculous. My insurer wanted every detail—trip logs, app screenshots, timestamps—just to process a minor claim. Felt like they were looking for any excuse to deny it.
Here’s how I look at it: if you’re driving something expensive, the risk of going basic is just too high. One accident and you’re out tens of thousands. But if you’re in a more standard car, maybe the math changes. Still, I can’t shake the feeling that these extras are mostly about peace of mind, not real protection.
Has anyone actually had a claim paid out smoothly with these policies? Or is it always a battle? I’m starting to wonder if it’s worth the premium or if we’re just paying for a false sense of security...