Ago

For gig drivers who rent their vehicle

Rental Insurance That Credits You for Gig-Insured Miles and Safe Driving

Our Renters Contingent Liability Insurance (RCLI) covers your vehicle rental and is priced on your personal, non-gig miles. Safer driving earns bigger discounts.

Vehicle Rental Liability Coverage Starting from $11 per daySave up to 56% by getting credit for the coverage your gig trips already provide + safe driving*Typical short-term rental liability policies cost $25+ per day with no way to significantly lower the rate.

* $11 is our lowest daily rate for the safest renter with under 50 personal miles/day vs. $25+ per day for a typical short-term rental liability policy. Personal miles are a renter’s total miles minus the miles that Uber, Lyft, DoorDash, and Amazon Flex insure.

Get Coverage

Why Do I Need This?

Because most renter liability policies charge $25+ a day and give you zero credit for the many miles you drive that are already covered by Uber, Lyft, DoorDash, and Amazon Flex.

Typical Mixed Personal Gig Driving

School drop-off, airport runs on Uber and Lyft, Amazon Flex and DoorDash blocks, with errands and family time between.

Uber Lyft DoorDash Amazon Flex Personal driving

Personal Uber Lyft Personal Amazon Flex Personal DoorDash Personal

6am9am12pm3pm6pm9pm

Grey = Personal Driving: About 50%

Pay to insure only these miles.

Color = Gig Trips: 50% or More

Don’t pay to cover miles already insured by these gig platforms.

⚠️Protect yourself: Many personal policies deny claims if you drive gig. Accidents can result in significant liability claims with life-changing levels of expense if you are found liable.

What Will It Cost Me?

Your daily price depends on your personal miles and how safely you drive.

Personal Miles per Rental Day	Safest	Safe	Typical	Higher risk
Under 50 mi	$11	$14	$18	$21
50–100 mi	$14	$18	$22	$26
Over 100 mi	$17	$22	$26	$31

Personal miles are your total miles minus the miles that Uber, Lyft, DoorDash, and Amazon Flex insure. New drivers start at Safe, 50–100 mi/day (~$18/day), outlined in blue. Each coverage period lasts one day to one week. Each renewal re-prices based on your actual driving. Rates may vary due to geography and other factors.

Driver A: Lower Personal Miles and Safe Driving Pays Off

Three one-week coverage periods

First weekNew driver: Safe, 50–100 mi/day

$18/day$126/week

First renewalSafe driving, under 50 mi/day

$14/day$98/week

Second renewalSafest driving, under 50 mi/day

$11/day$77/week

Driver B: Higher Personal Miles and Risky Driving Costs More

Three one-week coverage periods

First weekNew driver: Safe, 50–100 mi/day

$18/day$126/week

First renewalHigher-risk driving, 50–100 mi/day

$26/day$182/week

Second renewalHigher-risk driving, over 100 mi/day

$31/day$217/week

What Our Insurance Covers

Covered

Injuries you cause to others in an accident using the rental vehicle
Damage you cause to other people’s property such as their vehicle
Your legal defense if you’re sued over a covered accident
Personal injury protection and uninsured motorist coverage, only where state law requires them, at state minimums and secondary to other insurance
Only the driver named in the insurance coverage agreement

Not Covered

Damage to the rental vehicle itself
Injuries to you, or to family members who live with you, unless state law requires it
Gig trips carrying passengers or deliveries for pay (the gig platform’s insurance, if any, applies)*
Drivers not on the rental agreement
Driving under the influence, racing, off-road or illegal use
Punitive damages

* Only Uber, Lyft, DoorDash, and Amazon Flex currently provide coverage for gig trips. Their coverages are subject to their terms and conditions and changes at their discretion.

Show Coverage Limits, Territory, and RequirementsHide Coverage Details

Limits

The state minimum coverage in the state where the accident occurs. The first $2,500 of each accident must be paid by the insured.

Where

All U.S. states except New York State and Michigan, where our coverage is void for any rental that starts, ends, or travels through either state. Excludes Mexico, U.S. territories, and all other countries. Covers Canada only when rental starts in the U.S.

You must accept RCLI when your rental starts and keep it in force for the entire rental. The CRA policy’s liability coverage, which pays for injuries and damage the driver causes to others, is primary: It pays first, even if the renter has their own car insurance. Coverage for the driver’s own injuries (personal injury protection) and for crashes caused by drivers with no or too little insurance (uninsured/underinsured motorist coverage) is turned down wherever the law allows, and otherwise pays only after other insurance. This is a summary. The full policy terms and exclusions apply.

FAQ

Who is this for?

Gig drivers renting from participating rental companies, whether you drive for gig platforms, for personal non-commercial reasons, or both.

Why is liability coverage important during my rental?

Accidents can result in significant liability claims with life-changing levels of expense if you are found liable. Protect yourself with renter’s liability coverage.

Does my existing personal liability policy cover my rental?

Possibly. If you share it, the rental fleet will validate whether it does. However, most personal liability policies do not allow gig driving.

Who covers the miles when the app is on and no ride is accepted yet?

Uber and Lyft provide liability coverage while you are app-on and waiting for a rideshare opportunity.^‡‡ Consult the coverage policies of Uber, Lyft, DoorDash, and Amazon Flex for details, which are subject to change at the discretion of these gig platforms.

Where can I get coverage for damage to the rental vehicle?

Our renter’s liability coverage doesn’t cover damage to your rental vehicle. Ask your rental company about its damage waiver.

How do I get started?

Click the Get Coverage button. Coverage is arranged through third-party agencies and reinsurers. Ago Technologies LLC is not acting in any capacity as a broker or insurer.

How do I lower my insurance coverage price?

Connect your active gig accounts so we can see your gig trip history and credit you for the coverage you are already getting from Uber, Lyft, DoorDash, and Amazon Flex. And drive safely to get an even lower price.

During your new customer first coverage period, we assume you are a lower-risk driver, but for subsequent renewals we look at your actual gig trips and safety.

Is my gig trip data secure?

We read gig trip times and miles. We never see your earnings, messages, or password. Your gig account details are encrypted and shared only with your permission.

If You Have an Accident

Show What to DoHide Steps

Make Sure Everyone Is Safe

Call 911 if anyone is hurt.

Gather Accident Details

Take photos of the scene, the vehicles and any damage, and note how, when, and where it happened.

Exchange Insurance Details

Exchange insurance details with the other parties involved in the accident.

Contact Your Rental Agency

Share the accident details and your photos with your rental agency as soon as possible. Tell them how, when, and where it happened, including if it was during a gig trip.

Get Coverage

Ago Technologies provides risk analytics and fleet management software and is not acting as a broker or insurer. CRA is the named insured on a policy issued by ARIG PCS and is reinsured by Fore Mobility Captive Cell, with Carl Warren as the initial claims contact and G Wealth Strategies managing enrollment.

Ago TechnologiesRisk analytics and fleet management software

G Wealth StrategiesEnrollment manager

CRANamed insured

ARIG PCSInsurance carrier

Fore Mobility Captive CellReinsurer (pays claims)

Carl WarrenInitial claims contact