E-Hailing Endorsement: How to Add It to Your Policy
If you use your private car to carry paying passengers for Grab, inDrive, Maxim or other e-hailing platforms, you need an e-hailing endorsement to extend your insurance cover for eligible trips. A standard private car policy may not cover accidents during paid trips, so check your insurer's terms.
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What is an e-hailing endorsement?
An e-hailing endorsement extends your car insurance to allow eligible e-hailing use. It is generally added to a comprehensive car insurance policy.
| Coverage | Standard private car policy | With e-hailing protection |
|---|---|---|
| Personal driving | Subject to policy terms | Subject to policy terms |
| Paid passenger trips | May not be covered | Allowed, subject to terms |
| Damage to your own car | Depends on policy and circumstances | Depends on policy and circumstances |
| Passenger liability | Check policy terms | Check whether included |
Coverage, limits and exclusions vary by insurer. Read BJAK's e-hailing insurance guide to learn more.
Who needs e-hailing insurance?
You should check your cover if you carry paying passengers through an e-hailing platform, whether you drive full-time or part-time.
| Driving situation | Check e-hailing cover? |
|---|---|
| Driving for Grab, inDrive or Maxim | Yes |
| Driving for another e-hailing platform | Yes |
| Driving only on weekends | Yes |
| Using your car for personal trips only | Generally not for e-hailing use |
You may also need to meet relevant platform and vehicle requirements, including the Public Service Vehicle (PSV) licence and Electronic Vehicle Permit (eVP), where applicable.
How to add an e-hailing endorsement
Step 1: Check your existing policy
Review your policy schedule and wording for an e-hailing endorsement. If you're unsure, contact your insurer before accepting paid passenger trips.
Step 2: Compare options on BJAK
Visit BJAK's e-hailing insurance page, enter your vehicle details and review the available quotes. Options depend on your vehicle and participating insurers.
Step 3: Compare the cost and coverage
Don't choose based on price alone. Use the BJAK Insurance Calculator to estimate your insurance price. Check these key details before deciding:
- Whether e-hailing use is specifically covered
- Damage to your own car and passenger liability
- Excess payable if you make a claim
- Towing benefits, exclusions and coverage limits
Step 4: Buy or update your policy
When buying or renewing, confirm that the selected policy includes e-hailing protection. If your policy is already active, ask your insurer whether you can add the endorsement mid-term and what additional cost applies.
Step 5: Confirm your cover is active
Check your updated policy schedule or endorsement document, including the effective date. Don't carry paying passengers until your insurer confirms that the required cover is active.
What happens if you drive without e-hailing cover?
If your policy excludes e-hailing use, your insurer may reject a claim arising from an incident during a paid trip, depending on the policy terms and circumstances.
You could face substantial out-of-pocket costs for vehicle repairs, property damage or injury-related claims. Having an endorsement also doesn't guarantee every claim will be approved, as exclusions and conditions still apply.
Compare e-hailing car insurance on BJAK before you start driving.
How much does an e-hailing endorsement cost?
There is no single price for every driver. The cost depends on the insurer, vehicle and protection offered.
Compare the total price alongside coverage limits, excess, passenger liability and roadside assistance. You can compare car insurance on BJAK to review available options.
Frequently asked questions
You need insurance that allows e-hailing use if you carry paying passengers. Check your insurer's policy terms and the requirements of your e-hailing platform.
Possibly. It depends on your insurer and available products. Contact your insurer to check whether a mid-term endorsement is available.
Yes, if they use their car to carry paying passengers. Driving only on weekends doesn't automatically mean your standard private car policy covers those trips.
Passenger-related protection depends on the policy. Check whether legal liability to passengers is included, along with any limits and exclusions.
Your No Claim Discount (NCD) depends on the type of claim and applicable policy rules. An own-damage claim may affect your NCD. Use the BJAK NCD Checker to check your current NCD.
Compare e-hailing insurance on BJAK
Before accepting passengers, make sure your insurance matches how you use your car. Compare e-hailing insurance on BJAK to review available options and check the protection offered.