What I said is what the policy states. See my previous post with the actual uber policy here: https://uberpeople.net/threads/is-uber-insurance-now-primary.1184/page-2#post-13012 Coverage at public airports is higher than elsewhere. It actually makes sense because the airports want full primary coverage while on their grounds for the various permits. This is why uber added this part. Hence, the only time it is secondary and lower is while waiting for a ping when you are not on airport grounds (in California at least, perhaps other states).