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Everything you need to know about ride sharing.

Go further with the right coverage.
Discover specialized ride-sharing insurance options in Ontario, expertly tailored by our insurance brokers to meet the unique needs of drivers in the gig economy. With our personalized coverage, you can enjoy peace of mind while navigating the roads as a ride-sharing driver.
Will I be covered?
Did you know that ride sharing will affect your insurance?
Your personal auto insurance will be impacted with any ride sharing activities, making it essential that you inform your insurer about these activities as soon as possible. Traditional auto insurance policies for personal use are unlikely to cover the breadth of accidents which might occur while ride sharing, making additional coverage often necessary.


Coverages
Get to know what’s covered with your auto insurance in Ontario.
Personal Auto Insurance
This is required for all drivers in Ontario, and covers personal use of your vehicle (such as commuting or driving.
Ride Sharing Insurance
This represents additional coverage that bridges the gap between personal use and commercial use of your vehicle while driving for ride-sharing programs. It also ensures that you have coverage during the periods when you are logged onto the ride-sharing app but haven’t yet accepted a ride request.
What is included
Driving for Uber or Lyft? Here's what you can count on.
With this coverage, keep in mind that the extent of coverage can vary depending on the specific driving situation:
Period 1: When you’re logged into the app but haven’t accepted a ride request, both companies typically provide third-party liability coverage.
Period 2: Once you accept a ride request, Uber and Lyft typically offer higher liability coverage and contingent collision and comprehensive coverage for your vehicle.
Period 3: While you have a passenger in the car, the companies generally provide the highest coverage levels, including coverage for your vehicle.
Optional & Special Coverages
Increased Liability Limits
Raises the liability coverage limits for added protection.
Rental Car Coverage
Provides reimbursement for rental cars while your vehicle is being repaired after an accident.
Accident Forgiveness
Protects against premium increases after an at-fault accident.
Ride-Sharing Endorsements
Additional coverage to address the unique risks associated with ride-sharing.
Ride-Sharing Gap Coverage
Covers you during the period between accepting a ride request and picking up the passenger.
Uber Insurance in Ontario
Understanding Uber Insurance in Ontario
Uber insurance refers to the specialized coverage required for those who drive for ridesharing services like Uber. Unlike standard auto insurance, Uber car insurance provides coverage that specifically addresses the risks associated with transporting passengers for a fee.
As an Uber driver, relying solely on your personal auto insurance policy is not enough. In fact, most standard auto insurance policies do not cover commercial activities, which include ridesharing. This means that if you’re driving for Uber without the appropriate coverage, you may not be protected in the event of an accident.
This is where ridesharing insurance comes into play. Uber car insurance in Ontario is designed to fill the gaps left by personal auto insurance, ensuring that you, your passengers, and others on the road are adequately covered at all times.
Types of Uber Car Insurance in Ontario
- Basic ridesharing insurance is provided by Uber. Uber offers a base level of insurance that includes third-party liability, accident benefits, and uninsured motorist protection. This is automatically in place when you’re logged into the app and engaged in ridesharing activities.
- Additional coverage options. Many Uber drivers opt to purchase additional Uber car insurance in Ontario to ensure they have comprehensive protection. This can include coverage for physical damage to your vehicle (collision and comprehensive), as well as increased liability limits. These policies are typically purchased through an Uber insurance broker.
- Comprehensive coverage. This covers a wide range of risks, including damage to your vehicle, theft, fire, and other perils. It’s highly recommended for drivers who want to minimize their out-of-pocket expenses in case of an accident or other incidents.
Getting an Uber Insurance Quote
- Driving experience and record. Your insurance premium is greatly influenced by your driving history. A clean record will generally result in a lower quote.
- Vehicle type and usage. The make, model, and age of your vehicle, as well as how frequently you drive for Uber can impact your insurance costs.
- Coverage level. The more extensive your coverage, the higher your premium will be. However, it’s important to weigh the cost against the protection you receive.
Why Choose Duliban Insurance Brokers?
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