Insurance companies and regulators in a lot of countries were “disrupted” by the popularity of these services. In many US states, drivers don’t have any option aside from the insurance offered by the delivery service. The one independent company in my area with the proper type of policy charged a very high premium. The problem with relying on the in-house policy is the conflict of interest. Protecting the company is the primary goal, while the passengers/goods and drivers are a distant second or third consideration.
Even with personal auto insurance, there can be disturbing conflicts. If two cars are in an accident and both drivers use the same company for insurance, the outcome may be quite different than when two insurance companies are involved. The consumer has to make sure they follow regulations and push back if it looks like they are attempting to save money at the policyholder’s expense.
