Insurables — Australian business risk, sourced and dated

Rideshare drivers: public liability requirements in South Australia

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

Data as at

Verified for South Australia

  • Licence liability condition: Yes, and South Australia states the figure. Regulation 13(1)(v) of the Passenger Transport Regulations 2024 conditions the accreditation on two policies issued by an insurance company incorporated in Australia being in force: a policy of public liability insurance indemnifying the accredited person and any authorised driver in an amount of at least $5,000,000 in relation to death or bodily injury caused by, or arising out of, the use of a vehicle for the purposes of the service; and a policy indemnifying them in relation to damage to property caused by, or arising out of, the use of the vehicle. The only carve-out in that paragraph is a regular passenger service, meaning a service conducted according to regular routes and timetables — the scheduled metropolitan network, not point to point work. This is separate from and additional to compulsory third party cover, which attaches to registering the vehicle under the Motor Vehicles Act 1959. SA · effective 2026-08-24 South Australia Government · 2026-08-24
  • Licence evidence required: The policies must be in force as a condition of the accreditation at all times, and must be issued by an insurance company incorporated in Australia. Rideshare platforms commonly arrange cover, but the accreditation condition sits on the accredited person. SA · effective 2026-08-24 South Australia Government · 2026-08-24
  • Licensing body: Rideshare in South Australia runs on a Small Passenger Vehicle accreditation — metropolitan, non-metropolitan, special purpose or traditional — which the Passenger Transport Regulations 2024 group together as a chauffeured vehicle service. Small passenger vehicles seat twelve or fewer including the driver and cover rideshare vehicles, chauffeur vehicles and country taxis. SA · effective 2026-08-24 South Australia Government · 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