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What is Didi Car Insurance?

Didi Car Insurance is an insurance coverage provided by Didi Chuxing, a Chinese ride-hailing giant for its drivers. It is designed to provide protection for both drivers and riders in the event of accidents, injuries, or damages to the vehicle. Didi Car Insurance is currently available only in China, but there are plans to expand it to other countries where Didi operates.

Can You Buy Didi Car Insurance?

Currently, Didi Car Insurance is only available to drivers who work for Didi Chuxing. If you are not a Didi driver, you cannot buy Didi Car Insurance. However, if you are a Didi driver, you can purchase this insurance as an add-on to your Didi account. It is not clear whether Didi will offer this insurance to non-Didi drivers in the future.

What Does Didi Car Insurance Cover?

Didi Car Insurance covers a range of risks associated with ride-hailing and accident damages. This includes personal injury to drivers, passengers, and third parties, as well as property damage to the vehicle or other property. The coverage varies depending on the type of insurance plan the driver chooses and the specific circumstances of the accident. Didi offers basic coverage for free, but drivers can opt for additional insurance coverage for a premium.

How Much Does Didi Car Insurance Cost?

The cost of Didi Car Insurance for drivers varies depending on the insurance plan they choose, as well as their driving history and other factors. Didi offers basic coverage for free, but drivers can opt for additional coverage that comes at a premium. The premium for additional insurance depends on the level of coverage chosen and the risk profile of the driver. Currently, Didi Car Insurance premiums range from 0.5% to 2.1% of the driver's daily earnings.

Is Didi Car Insurance Worth Buying?

If you are a Didi driver, Didi Car Insurance can provide valuable protection against the risks associated with ride-hailing and accidents. The basic coverage provided by Didi is free and offers a certain level of protection. However, if you are concerned about the risks associated with ride-hailing, you may want to consider purchasing additional insurance coverage. It is important to remember that insurance is designed to protect against the unexpected, and accidents can happen to even the most careful of drivers. Therefore, it is worth considering Didi Car Insurance as a way to protect yourself and your passengers in the event of an accident.