Note 03Gaps · 6 min read
Coverage Gap Basics
The kinds of gaps that frequently show up between a personal auto policy and gig-app coverage.
For informational purposes only. Gig Driver Notes is not an insurance company, agent, broker, or marketplace, and nothing on this page is insurance advice.
Most gig apps publish a coverage summary. Most personal policies have a long list of exclusions. The space between those two documents is where gaps tend to live.
This note explains the typical phases — app off, app on, on a trip — and the patterns drivers commonly see across the major delivery platforms.
Keep reading
Note 01
Personal vs. Commercial Use
Where insurers commonly draw the line between everyday driving and on-demand delivery work.
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Note 02
Mileage Changes That Matter
Why your annual mileage estimate matters and what tends to shift when you start picking up gigs.
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Note 04
Reading Your Declarations Page
A short tour of the policy document drivers actually receive, in plain English.
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