How to request mobility services with built-in insurance? Step by step

With the growing popularity of mobility services such as ride-hailing apps, car sharing, electric scooters, and even bike rentals, convenience has reached new heights. But there’s one element that’s often overlooked: insurance.

What happens if there’s an accident? Who’s responsible? Fortunately, many platforms now offer built-in insurance, providing users with greater peace of mind. But how do you know if you’re covered, and how can you request mobility services that include this safety net?

In this guide, we’ll walk you through the step by step process to request mobility services with built-in insurance, explain what’s typically included, and give you practical tips to ensure you’re protected from start to finish.

Choose a reliable platform that offers insurance

First and foremost, it’s essential to use a platform that ensures user safety. Major mobility companies already offer some type of coverage for passengers and drivers. However, this may vary depending on the country, service type, and subscription plan.

Check whether the insurance is included in the service description, the terms of use, or the FAQ section of the website or app.

The details usually include accident coverage, driver protection, third-party liability, and even medical assistance in some cases.

Companies like Uber, Lyft, Lime, and Turo are examples of platforms that already offer built-in insurance in many regions.

Create your account and set up your profile

To use any mobility service, the first practical step is to register. This can be done through the company’s website or app.

During the process, you’ll need to provide personal details, a contact phone number, and in some cases, a valid driver’s license, especially for car or motorcycle rentals.

It’s also important to add a valid payment method. Credit and debit cards are widely accepted, and some platforms also allow payment through digital wallets.

When accepting the terms of use, read carefully the section that covers insurance and liability in case of an accident.

Check the insurance coverage before confirming

With your account set up, it’s time to understand exactly what’s included in your booking. Not all services offer the same type of insurance coverage, and some allow you to customize your insurance plan during the reservation process.

For example, if you’re renting a shared vehicle, the platform may offer three insurance options: basic, intermediate, and premium.

In ride-hailing apps, the insurance is usually standard and automatically included in the fare. The best approach is to access the help center or settings in your profile to see what protections are active.

Pay close attention to details like collision coverage, medical assistance, theft or damage protection, deductible amount, and claim limits. These factors can make a big difference if something goes wrong.

Request the service as usual

After reviewing the insurance coverage, you can go ahead and request the service as you normally would. If you’re ordering a ride, select your pickup and drop off points in the app, choose the vehicle type, and confirm the ride.

In some cases, the type of car can affect the coverage, premium or corporate cars, for example, often include more comprehensive insurance.

If you’re renting a car or motorcycle, find the nearest available vehicle in the app, make your reservation, and confirm that the protection plan is activated.

Only start your trip after the booking is confirmed, as the insurance is valid only during the reserved period.

In the case of scooters or bikes, the process is also simple: scan the QR code, unlock the vehicle, and start your ride. Just make sure you’re within the platform’s service area, as insurance may not apply outside the coverage zone.

Ride responsibly

Even with the peace of mind that built in insurance offers, it’s essential to follow traffic rules. In cases of negligence, intoxication, or violation of the platform’s terms, the insurance may be voided.

If you’re driving, stay extra alert. If you’re using a scooter or bike, wear a helmet when required by law, avoid sidewalks, and ride with the flow of traffic.

Insurance provides protection in the event of unexpected situations, but it doesn’t exempt users from responsibility. Plus, riding safely protects your well-being and that of others.

Know what to do in case of an accident

If an accident happens during service use, stay calm and follow the proper procedures to ensure your insurance is activated.

First, check for injuries and call emergency services if needed. Then document the scene with photos and take note of important information such as time, location, and license plates of any vehicles involved. Notify the mobility company immediately through the app or online support.

Some platforms will require a police report, especially if third parties are involved. Others may ask for a detailed account of the incident and supporting documents. The quicker and more complete your report is, the easier and faster the resolution process will be.

Track the process

After reporting the incident, the company or insurer will follow up to continue the claims process. Keep your case number and stay alert for updates or additional requests.

In many situations, the insurance will cover the costs without needing reimbursement from the user. In other cases, a deductible may be charged, depending on the plan selected. If everything is within the platform’s guidelines, you’ll be protected.

Conclusion

Mobility services with built-in insurance are a valuable evolution for anyone looking for both convenience and peace of mind.

But to make the most of this benefit, it’s important to follow the steps carefully: choose a reliable platform, understand the coverage, use the service responsibly, and know how to respond if something goes wrong.

With these guidelines, you’ll be able to move around with more confidence, knowing you have a protection network designed to make your journeys safer.

Written by

Juliana Raquel