Multi-platform VTC insurance: manage your risks on Uber, Bolt, Heetch, etc.

Multi-network VTC insurance covers the use of your vehicle on multiple platforms. You must check the "multi-platform use" label and harmonize certificates and guarantees.

More and more VTC drivers are working on several applications simultaneously (Uber, Bolt, Heetch, Kapten, etc.). This poly-activity maximizes income, but also multiplies exposures : each platform imposes its own insurance requirements , supporting documents and guarantee limits. An omission or lack of coverage can lead to refusal of support , fines, or even account suspension. In this article, KT VTC & TAXI explains how to take out multi-platform VTC insurance , check your guarantees and manage your claims calmly, regardless of the network you work on.

Why does cross-platform activity pose risks?

Specific insurance requirements

Each app requires proof of professional car insurance, clearly stating that the vehicle is used for private hire. Some platforms require a different professional liability cap (€500,000 to €1 million) or the inclusion of additional guarantees.

Risk of refusal of support

In the event of an accident during a trip on an unspecified platform, the insurer may refuse to pay compensation , considering that the actual use of the vehicle was not covered. The driver is then liable for the costs.

How does VTC insurance cover multi-platform use?

Mention cross-platform usage in the contract

When signing up, let your broker know that you're working on multiple apps. The contract should include a "multi-platform" or "all platforms" clause.

Opt for extended professional liability insurance

VTC Professional Liability Insurance must cover all professional uses : Uber rides, Bolt rides, rides via Heetch, etc. Also check the coverage of loss of earnings , 0 km assistance , and glass breakage options for each context.

Harmonize your certificates and documents

Single certificate versus multiple certificates

Some insurers issue a single certificate that's valid everywhere, while others provide multiple certificates tailored to each platform. Choose the solution that simplifies management and avoids errors during registration.

Update certificates in real time

As soon as a platform is added or removed, inform your broker to obtain a new certificate. Platforms often perform automatic verifications : an expired document can block your account.

Good practices to limit risks

Report any change in activity

If you add a new network (e.g., Kapten or Free Now), notify your insurer immediately. This helps eliminate any gray areas in the event of a claim.

Manage claims effectively

In the event of an accident or damage:

1. Write an amicable report detailing the platform concerned.
2. Quickly report the claim to the insurer, specifying the network.
3. Provide the appropriate certification to expedite compensation.

Conclusion

Working across multiple VTC platforms is a lucrative strategy, but it requires the right insurance . By choosing a multi-platform contract, keeping your certificates up to date, and implementing these best practices, you'll secure your business and protect your income.
KT VTC & TAXI helps you to subscribe to the VTC Professional Liability Insurance most suited to your multi-platform profile.