I don't doubt you, however, from a perspective of pure logic, there is no functional difference between me giving a ride to someone, vs. a ride-share scenario.
TAC pays the personal injury, the Ride Share company covers Professional Indemnity, Public Liability and I cover the car as I do when I drive for any reason. They (My insurance) endure no additional risk.
Seems more like an excuse to 'take a cut' of any additional income.
This then turns a part time 'do it when I can' into a 'I have to do it this often to break even'! Very annoying when you just want to promote EV's.
The only risk difference is hours on the road, and I will be spending a lot of time on the road, even if I never ride share, with no impact to premiums.