How do insurance companies check if you're driving for Didi?
2 Answers
Insurance companies cannot check Didi's data as it is stored on Didi's servers, and insurance companies do not have the authority to access platform information. If a Didi vehicle is found to be used for ride-hailing services like Express or Premier, it will not be covered by insurance, and carpooling services cannot exceed two claims.
I usually drive my private car to commute to and from work, occasionally doing some ride-hailing to supplement my income. Later, I became curious about how insurance companies investigate. I heard they mainly rely on in-car GPS location data to analyze whether your trips are always during peak hours or if the routes match ride-hailing orders. A friend of mine concealed the truth, and when an accident occurred, the insurance company accessed his ride-hailing app records on his phone, directly proving commercial use and denying the claim. Nowadays, with advanced technology, connected cars can share information, and ride-hailing platforms may provide data to insurance companies. It is advised that car owners not take risks and honestly purchase commercial insurance; otherwise, the premiums paid will be wasted, and they may still be held liable in case of an accident. Daily driving records also leave traces, and high frequency can draw attention.
