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Coverage for DoorDash Drivers

Pay Only When You Deliver

Most personal auto policies exclude food delivery, and DoorDash only covers liability during active orders. INSHUR Pay-As-You-Go DoorDash Gap Coverage covers physical damage to your car, billed automatically per completed delivery.

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What You Get With Pay-As-You-Go DoorDash Gap Coverage

INSHUR is a trusted, specialized insurance provider dedicated to providing solutions tailored to the on-demand economy, offering solutions designed to be simple and affordable for Dashers like you.

  • Pay Only for Completed Deliveries

    No costly flat-rate commercial premiums. Your coverage fee is deducted only when you complete a delivery.

  • First 50 Deliveries Covered at $0

    Get on the road immediately with protection for you and your vehicle for your first 50 DoorDash trips.

  • Collision & Liability Protection

    Safeguards you and your vehicle against accident damage during active delivery periods that platform insurance doesn’t cover.

How INSHUR Pay-As-You-Go Gap Coverage Complements DoorDash Protection

Coverage by period while delivering for DoorDash: DoorDash coverage, personal auto policy and INSHUR delivery cover
Coverage phase DoorDash coverage Personal auto policy INSHUR cover
Period 1App on, no delivery accepted Not covered Typically excluded Collision and liabilityContingent on personal policy
Period 2Offer accepted, driving to pickup Liability only Typically excluded Collision coveredLiability handled by DoorDash
Period 3Order in car, driving to customer Liability only Typically excluded Collision coveredLiability handled by DoorDash
Period 1 App on, no delivery accepted INSHUR: Collision and liability
DoorDash coverage
Not covered
Personal auto policy
Typically excluded
INSHUR delivery cover
Collision and liabilityContingent on personal policy
Period 2 Offer accepted, driving to pickup INSHUR: Collision covered
DoorDash coverage
Liability only
Personal auto policy
Typically excluded
INSHUR delivery cover
Collision coveredLiability handled by DoorDash
Period 3 Order in car, driving to customer INSHUR: Collision covered
DoorDash coverage
Liability only
Personal auto policy
Typically excluded
INSHUR delivery cover
Collision coveredLiability handled by DoorDash

How Pay-As-You-Go billing works

To let you pay only for the time you deliver through the DoorDash app, INSHUR has developed an innovative pay-as-you-go wallet solution. Here’s how it works:

  1. Activate in minutes

    Sign up and instantly receive 50 complimentary covered deliveries.

  2. Micro-Deductions per Trip

    After your promotional trips, a simple per-delivery rate (typically 15¢–21¢ depending on your state) is automatically deducted from your prepaid wallet.

  3. Automatic Wallet Top-Ups

    When your wallet balance drops below $8, an automatic $10 refill keeps your protection active. When you stop driving, deductions stop.

Why Would I Need Pay-As-You-Go DoorDash Gap Coverage?

Not all personal auto policies cover you while dashing. If you are involved in an accident while delivering on the DoorDash platform, your personal auto policy may not cover your vehicle. 

With Pay-As-You-Go DoorDash Gap Coverage, you and your vehicle are protected when you're actively delivering on DoorDash. This means that if an accident happens, your vehicle and your livelihood are protected (from the time you click 'Dash' and wait for an offer to when you mark the delivery as completed). 

Plus, with INSHUR's innovative pay-as-you-go wallet, you are only charged for coverage during the time you're actively delivering through the DoorDash app. 

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Which states offer Pay-As-You-Go Gap Coverage? 

Click the drop-down below to find out more about INSHUR Pay-As-You-Go Gap Coverage in your state. 

Don't see your state? Sign up using the form below, and we will reach out as soon as it becomes available. 

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Select your state:

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INSHUR Pay-As-You-Go DoorDash Gap Coverage is coming soon. Join the waitlist, and we'll let you know as soon as it's available in your state — no commitment, no hassle.

 
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Why You Should Consider INSHUR Pay-As-You-Go DoorDash Gap Coverage

If you rely on DoorDash deliveries for income, a single accident could put both your car and your earnings at risk. 

With INSHUR Gap Coverage, you are only charged for coverage while you're actively delivering through the DoorDash app. 

No more second-guessing whether your personal auto policy will cover you while Dashing. With INSHUR, you can hit the road knowing your vehicle and earnings are protected. 

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Insurance that works around you

With INSHUR Pay-As-You-Go Gap Coverage, you pay only while you're actively delivering on the DoorDash platform. So whether you earn for a few hours a week or are on the road more often, you get the protection you need. 

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Why INSHUR?

Your coverage is only a few clicks away. Our online Dashboard lets you quote, buy, and renew your policy anytime, anywhere.

  • Insurance tailored for use on active delivery on the DoorDash platform
  • Only pay for coverage for the time you spend delivering through DoorDash. 
  • Peace of mind that your insurance won't lapse with auto top-ups and renewals
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DoorDash delivery driver smiling whilst driving with order
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Got a question about Pay-As-You-Go Gap Coverage?

You can contact us Monday to Friday from 9AM to 5PM ET at 1-(844)-489-2690. 

 

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Frequently asked questions (FAQs)

*Physical damage and liability coverage offered to Dashers during active deliveries is underwritten and administered solely by INSHUR (“Producer”) and insured by an unaffiliated insurer. DoorDash, Inc. is not an insurance company and does not underwrite, administer, or make determinations regarding eligibility, coverage, benefits, or claims under any insurance policy.  Participation in this coverage program is entirely voluntary and subject to the Producer and insurer’s terms, conditions, exclusions, and underwriting criteria. Any questions, claims, or disputes regarding coverage, benefits, or claims determinations must be directed to the Producer. DoorDash’s role is limited to facilitating access to the Producer’s pay-as-you-go coverage option for convenience only and does not constitute DoorDash’s endorsement of, or assumption of responsibility for, any insurance product or decision. The availability of this coverage may vary by jurisdiction and is subject to change or discontinuation by the Producer or insurer at any time.