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Matt Hands, Business Director, Insurance
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.
How much does Uber car insurance cost?
Uber car insurance is available for free from Uber, however, your own personal auto insurance policy could increase as there is a higher perceived risk from your insurer because you are driving more. There may not technically be an additional charge from your insurer, but the rise in your annual kilometeres driven would result in a slight premium increase.
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.
Need ridesharing approved insurance?
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
The below requirements change by the municipality. In the Greater Toronto Area, your vehicle must meet these minimum requirements, so expect to see something similar regardless of your area.
- A 4-door vehicle with independently opening doors
- A vehicle in good condition (no cosmetic damage)
- No commercial branding
- No salvaged or rebuilt vehicles
- Snow tires or all-weather tires installed from December 1 until April 30 the following year
- Pass an Uber vehicle inspection by a licensed mechanic
- Your vehicles model year must be 7 years or newer (to pick up and drop off anywhere)
How much do Uber drivers make?
Does Uber insurance cover a rental car?
Does Uber insurance cover the driver?
Does driving for Uber increase your insurance?
Does Uber insurance cover my car?
How does Uber verify insurance?
Can you drive Uber Eats without insurance?
Do I need different insurance to drive for Uber?
Should I tell my insurance company about Uber?
Matt started his professional career at CARPROOF where he honed his marketing and analytical skills for over 3 years. Matt then took his wealth of experience to Ratehub.ca’s Toronto offices, working with insurance providers, agents, and brokers to grow and expand the Insurance business unit. He is a thought leader in the community and a valuable insurance resource to respected publications like the Globe & Mail, Toronto Star, Huffington Post, Yahoo News, and 680 news radio in Toronto.read linkedin bio
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