Insurables — Australian business risk, sourced and dated

Rideshare drivers: public liability requirements in New South Wales

Cover for legal liability to third parties for personal injury or property damage arising from business activities.

Data as at

Verified for New South Wales

  • Licence liability condition: Yes — third-party property insurance with a cover of at least $5 million, for every vehicle used to provide point to point passenger services, covering damage caused to other people’s vehicles or property arising out of an accident. AND THIS IS NOT CTP. Compulsory Third Party (the green slip) is mandatory for registration and covers injuries to people; it does not cover property damage. The $5 million third-party property policy is a separate, additional policy, and confusing the two is the most common way an operator ends up uninsured for the exposure that actually applies. NSW · effective 2016-11-01 NSW Point to Point Transport Commissioner · 2026-08-24
  • Licence evidence required: Vehicle owners are responsible for holding the cover. A taxi or booking service provider must ensure all vehicles have appropriate insurance and maintain records to monitor and confirm the policies are current and compliant with point to point transport law. Evidence is checked through safety audits rather than filed up front, so the record-keeping is itself the obligation. NSW · effective 2016-11-01 NSW Point to Point Transport Commissioner · 2026-08-24
  • Licensing body: The Point to Point Transport Commissioner, under the Point to Point Transport (Taxis and Hire Vehicles) Act 2016 (NSW). The Commissioner authorises individuals, corporations or partnerships to provide a booking service, a taxi service, or both. Note where the obligation sits: it is the authorised service provider and the vehicle owner who carry duties, not the driver as such. NSW · effective 2016-11-01 NSW Point to Point Transport Commissioner · 2026-08-24

What contracts commonly ask for

Principals and head contractors set their own insurance requirements, and those are frequently higher than a licence condition. The requirement that binds is the higher of the two, and both have to be read from the actual document.

What this cover costs

This site publishes no cost benchmark for this cover. A benchmark needs a real sample of documents, and none is published until the sample is large enough to compute a median honestly. A benchmark from a handful of policies is a guess with a decimal point.

Sources