Question 1

I drive Grab part time. Is ordinary private car insurance enough?

Accepted Answer

No. Private car insurance covers personal use. Carrying paying passengers through an e-hailing app is commercial use and needs e-hailing cover, even part time.

Question 2

If I carry passengers on a private policy, will my claim be rejected?

Accepted Answer

There is a high risk. If the accident happens while you are on a trip or accepting jobs and your policy has no e-hailing cover, the insurer may refuse to pay for your car, and you may be personally liable to passengers and third parties.

Question 3

Is e-hailing insurance an add-on or a separate policy?

Accepted Answer

Both exist. An e-hailing extension on your private car policy suits part-time drivers; a dedicated e-hailing motor policy suits full-time drivers. What’s available depends on the insurer and the car.

Question 4

Is there per-day or per-hour e-hailing insurance? Which is better value?

Accepted Answer

Some per-trip or usage-based e-hailing cover exists, partly through platforms. It can suit occasional drivers, but check the scope, limits and whether it meets licensing rules. For regular driving, a yearly extension is usually simpler and safer.

Question 5

What does Grab’s own insurance cover? Do I still need my own?

Accepted Answer

Platform cover generally protects passengers and drivers during trips, with its own scope and limits, and may not cover damage to your own car. Read the terms in the app, then ask Lulu what is still missing for your situation.

Question 6

Who is responsible if a passenger is injured? Will my insurance pay?

Accepted Answer

The driver may be legally liable. A motor policy with e-hailing cover includes legal liability to passengers. Without it, the insurer may not pay and the liability falls on you, which is the main reason to have e-hailing cover.

Question 7

Will e-hailing make my premium much higher? Does it affect NCD?

Accepted Answer

The premium is somewhat higher because the car spends more time on the road with passengers. NCD still applies and keeps building while you have no claims; adding e-hailing cover doesn’t remove it.

Question 8

I deliver food (Foodpanda, Grab Food) on a motorcycle. What insurance do I need?

Accepted Answer

Delivery riders generally need motorcycle insurance that covers commercial use and personal accident cover, and p-hailing riders are generally required to join PERKESO’s self-employment scheme. Lulu doesn’t handle motorcycle insurance but can arrange personal accident and medical cover.

Question 9

Is specific insurance required to get an EVP or PSV for e-hailing?

Accepted Answer

Yes. Under land public transport licensing, e-hailing vehicles need insurance covering e-hailing use, along with an EVP permit and a PSV licence. Follow APAD’s and the platform’s latest requirements.

Question 10

I only carry passengers occasionally and had no e-hailing cover when I had an accident. What now?

Accepted Answer

Make sure everyone is safe, report to the police and inform your insurer honestly. Don’t hide that you were carrying a passenger, as that can make things worse. Then add e-hailing cover straight away. Lulu can help you understand where the claim stands.

E-hailing insurance: 10 questions Grab and inDrive drivers ask