Anyone had their personal insurance dropped?

I am considering starting but I do not want anything affecting my policy rate. My insurance company says that their policies dictate that they will not raise or cancel a policy of their customer drives for a ride share, but I'm not sure if I believe that. Has anyone had any issue with not getting coverage from their own insurance and luft or uber insurance during mode 1, or even mode 2 or 3? If something does happen when you are not working or logged onto the app, how do you prove to your personal insurance that so that they can't refuse to cover the damages?