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What is Uber 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

How uber insurance works in Canada

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?

Compare car insurance quotes today from some of Canada’s top Uber driver insurers.

Uber driver insurance coverage provincial differences

Uber provides its commercial drivers in Ontario, Quebec, Nova Scotia and Alberta with an Economical policy, but the coverage differs depending on what province you are in. Furthermore, public insurance markets like BC and Saskatchewan only need to have their regular personal insurance policy from the government to drive for Uber. Below is a breakdown of how Uber driver insurance works in the different provinces where Uber is available:




Nova Scotia


British Columbia

Insurance companies that approve of ridesharing

The following insurance companies in Canada will allow you to participate in ridesharing services:

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. 

How to get Uber 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

Ready to get a ridesharing car insurance quote?

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FAQ about Uber insurance

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, 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

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