Tell us a little about yourself and your auto coverage needs.
We instantly show you auto insurance quotes from top Canadian providers.
Choose your quote and secure your car insurance rate online.
better choices made
to Canada’s top financial institutions
Matt Hands, VP, Insurance and MoneySense
Uber insurance, or ridesharing insurance, is closer to a commercial auto insurance policy. Operating as a rideshare driver changes your risk level for many reasons including driving more, possibly into unfamiliar areas, and inviting clients into your car.
While Uber, Lyft, and other ridesharing companies (e.g. Tappcar, Facedrive, RideCo, URide, ecoRIDES, driverHER, etc.) offer some level of coverage, it’s critical that you extend your own insurance to cover ridesharing activities. If you don’t notify your insurer, your claim will likely be denied for misrepresentation and you run the risk of an outright policy cancellation.
Did you know?
Not all insurance companies provide Uber insurance coverage for ride-sharing
Uber provides a commercial car insurance policy to protect you in case you’re in an accident while performing ridesharing duties on the Uber App. The commercial insurance policy is provided by Economical insurance (formerly Intact insurance) and covers Uber drivers in Ontario, Quebec, Nova Scotia and Alberta. For public markets like BC and Saskatchewan you obtain your commercial coverage through the government just like you do for your personal auto insurance.
First and foremost, you must have your own personal auto insurance policy in place to drive for Uber. Their policy will only cover you while you are actively driving for Uber and the coverage has limitations. Your policy will cover you for all other times you are driving (assuming you are obeying the law) and when Ubers policy limitations fail to protect you.
Generally speaking, when you’re actively driving for Uber – accept a ride request, transport the passenger, and drop them off at their destination – you get $2 million in third-party liability, $2 million in uninsured motorist protection, and accident benefits (i.e. medical rehabilitation).
If you have collision insurance and comprehensive insurance on your personal auto insurance policy, you will also get collision and comprehensive insurance under Uber’s commercial policy (deductibles still apply).
In between trips, but while the Uber app is still active and looking for customers, the coverage drops to $1 million in third-party liability coverage and uninsured motorist protection.
Need ridesharing approved insurance?
The following insurance companies in Canada will allow you to participate in ridesharing services:
- Intact (belairdirect)
- Gore Mutual
- Scottish & York
Keep in mind, you must notify your insurance company of your intention to drive for Uber or any other ridesharing company you choose to work for (Uber, Lyft, etc.).
The reason for this is professional chauffeur services (UberBlack, UberLux, UberSUV, UberTaxi, UberWAV) and the delivery service (UberEats) may be declined, as these are considered commercial. Be sure to get clarification when speaking with any of these companies. Your own insurer may tell you ridesharing is ok, but not in special circumstances.
NOTE: Uber Eats, Skip, and DoorDash are commercial activities and treated differently than ridesharing.
Below is a list of Uber driver requirements in Canada. While the exact details vary by insurer, below are the details for Aviva’s Uber insurance policy. Be prepared that whichever company you choose may require the same coverage.
- A G2 drivers license or higher
- Six years of driving experience.
- Only carry up to eight people (driver included)
- You can’t use your car for food delivery
- You can’t be registered as a taxi or limousine (no commercial activity)
- Must have a ridesharing endorsement added to your policy
Ready to get a ridesharing car insurance quote?
How much does Uber car insurance cost?
Does driving for Uber increase your insurance?
Does Uber insurance cover my car?
Does Uber insurance cover the driver?
How does Uber verify insurance?
Does Uber insurance cover a rental car?
Do I need different insurance to drive for Uber?
Should I tell my insurance company about Uber?
Can you drive Uber Eats without insurance?
What are the Uber driver requirements?
How much do Uber drivers make?
Matt Hands, Business Director of Insurance
With 6+ years of experience at Ratehub.ca, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio
Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.
When it comes to mortgages, Ratehub.ca is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place.
Ratehub.ca has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada.
How does Ratehub.ca make money?
Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry-leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.