Do I need to tell my insurer I drive for Uber?
Yes — and not just because disclosure is honest. Undisclosed rideshare work is material misrepresentation: the policy denies at claim time and can be voided retroactively.
| Item | Detail |
|---|---|
| The rule | Commercial/livery use must be disclosed |
| What disclosure triggers | An endorsement offer — not automatic cancellation |
| The denial scenario | Claim-time discovery via app records, decals, mileage |
| The retroactive risk | Policies can be voided back to inception |
| The cost of honesty | $7–35/month endorsement — vs a full denial |
How carriers find out
Subrogation departments check app records, rideshare decals, and mileage patterns in every ambiguous claim. Our undisclosed-work claim log shows a $9,200 denial triggered by a DoorDash decal. The carrier doesn’t need to catch you driving — it needs to catch one claim.
What disclosure actually costs
Disclosure routes you to an endorsement (our file), not a cancellation — carriers sell these products deliberately. The full disclosure FAQ ladder lives in our library; the receipts-first rule in our tip file.
FAQ
Will my insurance cancel if I mention Uber?
No — it triggers an endorsement offer. Cancellations come from claim-time discovery of undisclosed work, not from honesty.
What if I only drive a few hours a month?
The exclusion applies at any app-on minute. Occasional driving still needs the endorsement.
Related reading: Undisclosed-work case · Endorsement file · FAQ library · Receipt rule