Insurance for Ridesharing with Uber in Ontario

Since September 2014, Uber has offered ridesharing as a low-cost, on-demand transportation alternative in Ontario. While there has been insurance covering every ride, the province recently approved a new product designed specifically for ridesharing. As of July 7, 2016, Uber will be purchasing this new ridesharing insurance covering all ridesharing rides in Ontario. The coverage will be provided by Intact Insurance and will include:

  • $2 million of third party liability coverage per incident. This covers a rideshare driver’s liability to third parties from the moment a driver accepts an Uber trip until its conclusion. This policy is expressly primary to standard personal auto coverage.
  • Statutory Ontario accident benefits
  • $2 million of Uninsured Automobile Coverage. Protects vehicle occupants who are injured by a hit-and-run driver, an uninsured motorist, or an inadequately insured motorist. It also covers damage to your vehicle caused by an identified uninsured driver.
  • Direct Compensation – Property Damage Coverage. This statutory coverage pays for repairs to a driver’s vehicle, as well as related expenses, in the event of an accident that is not entirely the driver’s fault.
  • Contingent Collision and Comprehensive. This covers loss or physical damage to the rideshare driver’s vehicle up to the actual cash value of the vehicle with a $1,000 deductible. This coverage only applies if the vehicle is also insured for collision and comprehensive coverage on the auto policy of the vehicle owner when not used for ridesharing.
  • Coverage between trips. During the time that a ridesharing partner is available through the Uber app but has not yet accepted a trip, we maintain coverage that provides $1 million of third party liability and uninsured automobile coverage along with all of the other coverages listed above.

The certificate of insurance for this policy can be found here and a link to the policy itself is here.

UberBLACK, UberSUV, or uberTAXI rides in Ontario provided by commercially licensed and insured partners and drivers are covered by commercial insurance policies, in accordance with provincial and local requirements.

Note: In Canada, Uber driver-partners are able to accept requests for ridesharing services through the Uber app after contracting with Rasier Operations B.V.

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