Insurance Policy

DISCLAIMER: This is an unofficial summary of DriveOn, Inc's insurance policy and may not always be up to date. None of the statements below should be interpreted as binding and are provided for quick reference. The terms and conditions of the actual policy will apply in all circumstances.

Coverage limits

Our insurance program provides auto insurance to cover customers and vehicles that meet our Eligibility Requirements. Coverage applies while your DriveOn service is active and a vehicle is being shared with another member. DriveOn members are covered for personal liability at limits of $100,000/$300,000/$100,000 (per person/per accident/property damage). Insurance is provided by Assurant, an A-rated insurance company. Coverage is compliant with all state minimum requirements in states in which we currently operate.

The policy will cover the DriveOn member and the vehicle selected through the DriveOn network. The insurance will not cover a DriveOn member or a member’s vehicle when the member is driving their own vehicle.

Insurance is included at no additional cost as part of your DriveOn service. If you would like more details about insurance please contact us.

Liability Coverage

Insured drivers are covered up to $100,000/$300,000/$100,000 (per person/per accident/property

Physical Damage Coverage

The physical damage coverage provided by Assurant protects the owner's vehicle in the event of an accident. This covers damage to the vehicle in the event of an accident up to the actual cash value of the vehicle.

Uninsured and Underinsured (UI/UM) Coverage

UM/UIM is included at the same limits.

Personal Injury Protection (PIP)

PIP is provided at state required minimums.

Medical Payments Coverage

Medical Payments Coverage is included up to $5,000.


DriveOn is a peer-to-peer car-sharing network. Coverage is only provided when a car is shared in a peer-to-peer transaction. When an auto is operated by the owner, there is no coverage under the Assurant policy.

Wear and Tear

If a possessor causes excessive wear and tear to a car he or she takes they are responsible for repairing the car prior to returning it or the possessor will be billed for repair of all excessive wear and tear. Wear and tear details here.

Personal Belongings

Personal belongings left in the car are not insured. These include tapes, records, discs or other similar audio, visual or data electronic devices, or any speed measuring equipment within the vehicle. It is the responsibility of the owner and possessor to ensure they remove any personal belongings from the car before and after each period.

No Permissive Drivers

Insurance covers our customers only. As per DriveOn's Terms of Service, DriveOn cars may only to be operated by the possessor of the car.

Personal Usage Only

Insurance coverage applies to cars for personal use only. Cars used for commercial purposes (such as commercial deliveries or commercial ride-sharing), organized racing, or stunting activity are not covered.

Late Reporting

Incidents that occur must be reported to DriveOn, Inc. within 24 hours of the occurrence.

Additional Terms and Exclusions

If you have specific questions regarding the statement of insurance including terms, limitations, and exclusions, please contact us at

ID Cards

Your Insurance ID card will be provided for you once your policy goes into effect. Please keep it on your at all times. 

In the Event of an Accident

If you find yourself in an accident and someone is hurt, the first thing you should do is call 911. This is the single most important step—we want to make sure all parties are safe. Once you're safe, be sure to call us at 1-855-800-3710. Then, follow the instructions below.

Things to Document

  • Describe the Incident. Write down an accurate description of the incident, including an account of the location and cause of the accident.
  • Collect names plus contact info. Collect the names, phone numbers, and emails for all drivers, passengers, and witnesses at the scene.
  • Collect insurance info. For any cars involved, note their make, model, year, color, license plate as well as driver and insurance information.
  • Take lots of photos. If you have a smartphone or digital camera, take pictures of any damage and of the scene of the accident.
  • Send an e-mail. Forward everything to as soon as you can, but no later than 24 hours after the accident occurred.

Things to Avoid

  • Don't tow the car yourself. Your trip includes 24-hour roadside assistance and we will get someone out there to help you as soon as possible. If you arrange to have the car towed, you are responsible for any towing and related storage fees.
  • Don't fix the car yourself.  Prior to any attempt to fix the car, please contact DriveOn and the car owner. Some car owners are particular about how repairs are handled. DriveOn also maintains corporate discounts with auto repair shops that perform high quality repair work. Should you handle the repair yourself, you are responsible for the cost of any repair work performed or resulting from the repair work performed.