Vehicle cover built for the communities that drive to earn.
Fair member contributions, fast claim consideration, and real protection for the cars, utes, vans and bikes Australians drive to earn. SharedFare is a member-owned discretionary mutual, not an insurer.
In about 2 minutes
Your contribution, in about 2 minutes.
Enter your rego, tell us how you drive, and see your number. No obligations, no pushy calls.
Built for the way you drive
Rideshare leads the way, but the Mutual is built for everyone who earns from, or relies on, their vehicle.
Rideshare
Uber, DiDi, Ola and Bolt. Built for full-time drivers, not capped at a few hours a week.
Rideshare vehicle protection detailsDelivery & couriers
Uber Eats, DoorDash, Menulog and Amazon Flex. One membership across the platforms you use.
Personal use too
Your everyday driving is covered alongside the work you do behind the wheel.
Also covering fleet vehicle protection for operators.
How it works
Enter your rego
We look up your vehicle so you do not have to type it all in.
Tell us how you drive
Rideshare, delivery, trade, touring or personal use.
See your contribution
Review your number and the PDS, then join the Mutual.
A mutual that shares risk, not a company chasing profit.
One cover, many risks
Accident, theft, fire, storm and third-party property damage in one membership.
Fair contributions
Risk is shared across the membership, so your contribution reflects how you actually drive.
No shareholders
There are no investor dividends taken out of your contribution. The Mutual exists for members.
Considered by the board
Claims are considered by the SharedFare board in the interests of all members.
Any licensed repairer
Choose a licensed repairer you trust to get your vehicle back on the road.
Real local support
Member support from people who understand driving for a living. No phone trees.
What is covered
Considered for cover
- Damage to your vehicle from collision, whoever is at fault
- Weather events including storm, hail and flood
- Fire, theft and attempted theft
- Malicious acts and vandalism
- Your legal liability for damage to other people's property
- Member claims support from start to finish
Good to know
Cover, limits and exclusions are set out in the Product Disclosure Statement (PDS) and your membership terms. Because SharedFare is a discretionary mutual, each claim is considered on its circumstances and the board has discretion in the interests of all members. Read the PDS and Financial Services Guide (FSG) before joining.
How discretionary mutual protection compares
SharedFare is the Australian discretionary mutual for people who earn from their vehicle. Every contribution stays inside the Mutual: no profit extracted for investor dividends, and no exclusions for the work that matters most. Members receive discretionary risk protection administered under AFSL 239926, with flexibility a standard contract cannot offer. This is not insurance. This is mutual protection, built by drivers, for drivers.
| Feature | SharedFare (discretionary mutual, AFSL 239926) | Typical mainstream insurer |
|---|---|---|
| Ownership | Member-owned mutual, no shareholders | Publicly listed or private-equity owned |
| Where surplus goes | Stays in the Mutual, potential member benefit | Distributed to shareholders |
| Rideshare and delivery driving | Cover built for how you actually drive, including app-on time | Often excluded, capped, or needs a separate declaration and extra cost |
| Multi-app delivery | One membership across the platforms you use | Often excluded, separate arrangement needed |
| Claim assessment | The board considers each member's circumstances | Assessed against contract wording only |
| Community focus | Built for rideshare, delivery and affinity communities | Mass-market, gig use is an add-on or exclusion |
| Governance | Members are the beneficiaries of the Mutual | Customers, governance serves shareholders |
| Disclosure | AFSL 239926, ABN 69202510648, fully disclosed | AFSL regulated, surplus flows to external shareholders |
This comparison is general in nature. Read each provider's disclosure documents for full terms.
AFSL 239926
Administered under an Australian Financial Services Licence.
ABN 69202510648
Trading as SharedFare, an Australian discretionary mutual.
Member-owned
No shareholders. The Mutual exists for its members.
Read the PDS & FSG
Full terms are in the Product Disclosure Statement and Financial Services Guide.
Common questions
- What is a discretionary mutual?
- A discretionary mutual is a member-owned fund. Members contribute to a shared pool, and the SharedFare board considers claims in the interests of all members. It is not insurance: you have the right to have your claim considered, exercised at the board's discretion.
- Is SharedFare registered with ASIC?
- Yes. SharedFare operates under Australian Financial Services Licence (AFSL) 239926 and ABN 69202510648. Always read the Product Disclosure Statement (PDS) and Financial Services Guide (FSG) before joining.
- Does my rideshare or delivery use count as commercial driving?
- Yes. Earning from your vehicle is commercial use, which many standard personal covers exclude. SharedFare protection is built for rideshare, delivery and other earn-from-your-vehicle driving, subject to your membership terms.
- What does the Mutual cover, and what does it not cover?
- Cover includes damage to your vehicle from collision, weather events, fire, theft and malicious acts, plus your legal liability for damage to other people's property. Cover and exclusions are set out in the PDS and your membership terms, so read them before joining.
- Can a claim be declined?
- Yes. Because SharedFare is a discretionary mutual, each claim is considered on its circumstances and the board has discretion to approve, partially approve or decline a claim in the interests of all members. There is no contractual right to payment.
- Is this instead of CTP?
- No. Compulsory Third Party (CTP) is still required and is separate. SharedFare vehicle protection sits above CTP and covers damage to property and vehicles, not the personal injury cover that CTP provides.
- Can delivery drivers, tradies and riders join, not just rideshare?
- Yes. The Mutual serves rideshare and delivery drivers, tradespeople with utes and vans, motorcycle riders, caravan and motorhome owners, farmers and community-transport operators. Tell us how you drive when you get a price.
- How are contributions worked out?
- Your contribution reflects your vehicle and how you use it, including how much you drive and for which platforms or purpose. There are no shareholder dividends built into your contribution because the Mutual is member-owned.
Ready to join the Mutual?
No obligations, no pushy calls. Just fair cover for the way you drive.