One of the new applications that is giving a lot to talk about is Didi. Although its beginnings date back to 2012, it was not until relatively recently that it began to work in Latin America. And although many want to work in it, others wonder if they need insurance to work with DiDi; they also want to work in them for what is gained by providing service with this platform.
Therefore, if you are looking for a business opportunity, you want to generate extra income or live from this. It is not a bad idea that you give Didi a chance, which, taking into account its characteristics, is presented as a fairly strong alternative on the market.
The big question for anyone who wants to start working with Didi is precisely what insurance does DIDI ask me to work with? That is exactly what we are going to talk about in this article.
Insurance to work with DiDi
For the insurance policy to meet Didi’s requirements, it is essential that it has these points:
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Medical expenses. It covers all hospital care expenses for both the driver and the companions.
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Civil liability. It is for damage related to both the vehicle and injuries to third parties that were caused by the owner of the insurance. In turn, in case the other driver dies due to an accident, it also protects him.
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car theft The insurer is responsible for the compensation or repair of the vehicle in the event that it is stolen while it is being used or is parked.
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Damage. The insurance company is responsible for all damages that the vehicle may suffer either due to accidents or some event of nature.
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Legal assistance. It takes care of the costs that are generated when due to a car accident the contracting party must go to justice.
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Temporary car replacement. It is basically when you rent a car while waiting for your car to be repaired.
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Damages by third parties without insurance. When a third party damages your vehicle and you do not have insurance, this protection is used so that the insurer takes care of your car, although it has conditions in all companies.
Basically these would be the most important points that an insurance policy should have in order to be really effective and in this way you can work with Didi without any kind of problem.
How to take out an insurance policy
What you should keep in mind is that when you take out an insurance policy, they will ask you what kind of use the vehicle will be given. In this case you have two options: the first is private and the second is commercial. Although the car will be used to be a private driver, it is commercial.
In this case you must mention that you need ERT coverage, this coverage is an extra guarantee that is responsible for protecting the driver and passengers. If for some reason you have been denied entry to DiDi, you should take a look at an article we did recently, where we analyze the causes of DiDi rejections.
You must bear in mind that it is essential that you clarify very well the use that will be given to the vehicle and be as honest as possible, since in the event of an accident with private insurance and you use it for commercial purposes, the insurer will not proceed with what was previously agreed, which will generate a lot of problems.
Obviously, in order to take out insurance, it is essential that you have a driver’s license and all the vehicle papers are up to date. This is not only important to be able to contract a quality insurance policy but also to be allowed to work with Didi.
It is essential that you worry about having excellent insurance to avoid any kind of inconvenience in the future, remember that if you are going to work with Didi you must be very careful and the best attention and treatment towards your clients on a daily basis. If you want to have a broader vision of the services of this type of platform, you can look at an article we did about who is better, Uber or DiDi from the driver’s point of view.
