Uber Carshare does not provide insurance when you rent a car. They cover you with a Mutual Member Fund - https://www.mobilitymutual.com.au/
The PDS of this fund is super clear on this "Trip Cover is not an insurance product". Uber have done this so that the Insurance Act does not apply as the The Insurance Act has a lot of protections for consumers.
See Section 2 of
https://static1.squarespace.com/static/616770fbee55e13f68b31…
The PDS gives you the right to ask for reimbursement of the damages that you have to pay to the owner but the Mutual has the absolute right to refuse for any reason at all.
At its discretion, the Board may make a decision not to pay any claims resulting from an Event, or to make a
reduced payment, in the interests of all Members. For instance, the Board may exercise its discretion to pay
claims on a proportional basis depending on the total amount of Contributions collected from its Members
and the number and size of claims, as a way to ensure that all Members with claims caused by a particular
Event are treated fairly. The aim of the Mutual is to manage the limits of protection and it has purchased
(re)insurance in order to fully fund claims.
where the Vehicle has manual transmission and is driven by a person who has less than two years'
experience of regularly driving cars with manual transmission
Careful renting without additional insurance !
Why am I not surprised at yet another uber shenanigan haha