I get where you’re coming from, but I think it’s a bit more nuanced. Not every insurer is out to drop you the second you mention rideshare work. Some actually have add-ons or hybrid policies now, but yeah, you do have to ask for them—most won’t just offer unless you bring it up. I’ve seen people get away with not disclosing for a while, but it’s a gamble. The real issue is that “waiting for a ride” period, which is this weird gray area. Some companies cover it, some don’t, and Uber/Lyft’s own coverage doesn’t always kick in until you’re matched with a rider.
I’ve had clients who thought they were fine because their agent said “personal use is covered,” but the devil’s in the details. It’s not always about agents dodging questions—sometimes they genuinely don’t know all the ins and outs of gig coverage. The rules keep changing, too. If you’re driving for apps, it’s worth double-checking every year or so... things shift fast.