I called my current car insurer (Farmers) about adding gap coverage, and they said they only offer it if the vehicle is a max of 3 years old. I drive a 2019 Civic. For those of you using other carriers for this coverage, are they applying age limitations as well?

ps: I can anticipate all the comments on "you don't have gap coverage?!", so no need to opine on that.

This likely makes sense. Rationale probably is after 3 years of rideshare driving, the car value is so depreciated that the chance of claim is way too high - guaranteed to be underwater in value.

 

I learned that Liberty Mutual is Uber's insurer in the northeast.
It's an MA-based company.
I use them, and it's a painless online experience.

 

To be clear, are we talking about general rideshare insurance that is supplemental to regular insurance? Or are we talking about gap insurance which is supposed to repay your lender if the car is totaled and the market value is not enough to pay off the remaining loan.

 

Liberty mutual process is simple and straightforward online. I added rideshare coverage on my 2019 car without any issues.

 

I drive a 2012 vehicle with rideshare rider from Safety Insurance and have no issues with coverage.

 

I think Progressive (or Liberty Insurance - I forget which one) goes up until 8 years old. Just try different companies. You could call Mapfre and they'd find something that would work for you, too.

 

Plymouth Rock has no issues about rideshare coverage for my 2016 Accord...