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Everything you need to know about ride sharing.

Take advantage of this increasingly popular stream of income, with the right policy in place to protect you, your passengers, and your vehicle. Duliban Insurance Brokers is your trusted Uber insurance broker in Ontario.
Ride Sharing & Uber Insurance

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.

Did you know that ride sharing will affect your insurance?
Car insurance in Ontario

Coverages

Get to know what’s covered with your auto insurance in Ontario.

Personal Auto Insurance

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

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

Period 1: When you’re logged into the app but haven’t accepted a ride request, both companies typically provide third-party liability coverage.

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Period 2

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.

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Period 3

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

Drivers can consider these optional Uber car insurance to enhance their protection.
Increased Liability Limits

Increased Liability Limits

Raises the liability coverage limits for added protection.

Rental car coverage

Rental Car Coverage

Provides reimbursement for rental cars while your vehicle is being repaired after an accident.

Accident forgiveness

Accident Forgiveness

Protects against premium increases after an at-fault accident.

Ride-Sharing Endorsements

Ride-Sharing Endorsements

Additional coverage to address the unique risks associated with ride-sharing.

Ride-Sharing Gap Coverage

Ride-Sharing Gap Coverage

Covers you during the period between accepting a ride request and picking up the passenger.

Uber Insurance in Ontario

The rise of ridesharing services like Uber has revolutionized transportation across Ontario. With thousands of drivers offering rides across the province, ensuring that you have the right insurance coverage is crucial. Uber insurance in Ontario is designed to protect drivers, passengers, and third parties in the event of an accident. But, what exactly does this insurance entail, and why is it necessary?

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

Ridesharing insurance is not one-size-fits-all. Here are the key types of coverage you should be aware of:
  • 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

When it comes to getting an Uber insurance quote, several factors can influence the cost of your coverage:
  • 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.
To find the best rates, it’s advisable to work with an Uber insurance broker. Our company specializes in travel insurance and can help you navigate through the various options to find a policy that meets your needs and budget.

Why Choose Duliban Insurance Brokers?

At Duliban Insurance Brokers, we understand the unique needs of Uber drivers. As a trusted Uber insurance broker in Ontario, we offer customized insurance solutions designed to provide the best possible coverage at competitive rates.

Tailored Coverage

We work with you to understand your specific needs and recommend policies that provide the right balance of protection and affordability.

Expertise in Ridesharing Insurance

Our team is well-versed in the intricacies of Uber car insurance in Ontario. We stay up-to-date with industry changes to ensure you’re always covered.

Competitive Quotes

We partner with multiple insurance providers to bring you the best Uber insurance quote available. Our goal is to help you save money without compromising on coverage.

Competitive Rates

One of the key benefits of choosing Duliban Insurance Brokers is our ability to secure competitive rates for our clients. Our brokers are skilled negotiators who work diligently to find the best possible premiums. We strive to provide you with the most cost-effective insurance solutions without compromising on the quality of coverage.

Customer Support

At Duliban Insurance Brokers, we pride ourselves on providing exceptional customer service. Whether you have questions about your policy or need assistance with a claim, we’re here to help.

Contact Us Today

Uber insurance in Ontario is not just a legal requirement; it’s a vital safeguard for your financial well-being. By working with a knowledgeable Uber insurance broker like Duliban Insurance Brokers, you can secure a policy that offers comprehensive protection at a price that fits your budget. Don’t wait – get your customized Uber insurance quote today and drive with confidence.

Frequently Asked Questions

We have collected the most relevant questions and answers about Uber insurance in Ontario for you.
Why do I need Uber car insurance?
If you drive for Uber or other ridesharing services, standard auto insurance policies may not fully cover you while you are on the job. Uber car insurance ensures that you are adequately protected while driving passengers or waiting for ride requests, covering both you and your passengers in the event of an accident.
Do I need additional insurance to drive for Uber or Lyft in Ontario?
Yes, you typically need specialized ride-sharing insurance to ensure you’re adequately covered during ride-sharing activities.
What is ridesharing insurance?
Ridesharing insurance is a type of coverage that bridges the gap between personal auto insurance and commercial insurance provided by ridesharing companies like Uber. This type of insurance typically covers the period when the app is on, but you have not yet accepted a ride, ensuring continuous coverage.
Will my personal auto policy cover me while I’m driving for Uber or Lyft?
Generally, personal auto insurance policies do not cover ride-sharing activities, so additional coverage is necessary.
What should I do if I’m involved in an accident while driving for Uber or Lyft?
Report the accident to the ride-sharing company, and follow their procedures. Inform your insurer as well to ensure a smooth claims process.
Can I drive for multiple ride-sharing companies with the same insurance coverage?
Some insurers may allow coverage for multiple ride-sharing platforms, but it’s essential to confirm this with your insurer.
How does Uber car insurance work in Ontario?
Uber car insurance in Ontario is a hybrid coverage that combines personal auto insurance with ridesharing coverage. It ensures that you are covered during all phases of your ridesharing activities, including when you are waiting for a ride request, on your way to pick up passengers, and during the ride itself.
How do I get Uber insurance in Ontario from a Duliban Insurance broker?
Duliban Insurance Brokers can help with Uber insurance in Ontario. Call us at +1 855-385-4226.

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I worked with Hilary Phelps and she was wonderful, and super helpful. She helped me look through all my options and lead me to the best one for me, and was also super friendly and kind the whole way through!
My friend referred me here and Mallory quickly got me an awesome insurance quote 👍👍👍
I had to change my insurance company and Lisa Brant was extremely helpful and patient to assist and help. I’m such attitude will be the same during our further cooperation👍🤝
I had an amazing experience, Lisa helped me get the cheapest quote without the constant back and forth and headache. I will be recommending everyone to her.
Worked on both our home and car insurance with Alex S. and she was INCREDIBLE. Very responsive, went above and beyond, and so patient. Explained everything thoroughly.
I had the pleasure of speaking with Alex on Saturday. She was knowledgeable, patient, and kind. So friendly and helpful I will be referring all of my friends and family to her for their insurance needs. Thank you so much Alex!!
Lisa from Duliban Insurance Brokers is an amazing broker she did the unbelievable job too get a great price on insurance and get it so fast thanks again Lisa
I would definitely recommend Dubilan to anyone looking for insurance brokers. I had the pleasure of working with Warren Drake, he was very quick and responsive through the whole process.
Lisa Brant was amazing. It was quick and clear.
Alex was amazing! She was able to walk me through the process and even helped me find details about my home that I didn’t know. She was so pleasant and patient while I worked through my details.
Lisa Brant is excellent. Superb patience, effort and attention to detail.
During the process of replacing our vehicle with a new vehicle I was able to speak with Brianna Lymburner. She was able to answer all my questions and provide me with information in a very timely manner. She made the process easy and stressless. Thank you Brianna. I will be in touch with you without hesitation if the need arises. A great experience dealing with you. Thank you!
Had a referral from my sister to get an insurance quote from Trevor Greenizan. My rates had increased substantially from last year and I wanted to shop around. So glad I contacted Trevor. He is knowledgable and professional . Was able to give me a great rate for all our insurance needs. I have already recommended him to my family and friends.
Very happy with the experience getting signed up with Duliban Insurance Brokers and thank you very much to Alexandra Shortridge for making it an easy process!!!
Attended the Welland location and was served by Senior Producer TODD MINOR in a very professional way. He provided information I was not aware to even ask, and with much attention to detail. A pleasant experience feeling my business is in capable hands. Thank you for your assistance.
Great customer service! My Rep Lisa is a great help, they were able to lower my rate significantly
Hillary is a great person to help you thanks for the great experience
I was quite impressed with the experience and the insurance rates quoted. Bryana was very accommodating. Would definitely recommend.
I met with Lisa Brant to discuss auto insurance. She was extremely helpful and informative about combining my auto and home insurance, which I did. Very happy to be saving money. Lisa made the whole process painless!! Thank you, Lisa
Highly professional and full of knowledge the one and only “ Warren “ . 👍👍
Warren Drake, Thank you so much for your help. Your knowledge and expertise made the process smooth and easy to understand. It was very comforting that you know exactly what was my need with all the details you mentioned you save me a lot of money so thank you so much for your help.
Bryana was very supportive and professional during the process of getting a tenant policy for the very first time.
Great experience- I worked with Lisa sorting out insurance coverage for my first car. She went above and beyond to ensure I was quoted with an accurate and reasonable price. Initial quote was quite large but Lisa took her time and effort to find an affordable price. Couldn’t be happier with the experience I had with Lisa at Duliban, I highly recommend their services and if you have the pleasure of working with Lisa I’m confident you will be offered something you are looking for.
Bryanna at Duliban is amazing. She is patient, kind, responsive, and overall very genuine. I’ve been with Duliban for over two years now, they have assisted me in every way possible and have always been easy to work with. I would recommend them to anyone and I’m very grateful to have a team like this to help me with my insurance needs.
Warren was so helpful setting me up with car insurance. He made the entire experience quick and stress free. Thank you for your patience and all of your help!
After an unfortunate incident, I purchased a new vehicle. My previous insurance company quoted me an astronomically high rate.After being referred to June Sabbo, and Duliban Insurance by a family member, June had not only found me a much more reasonable rate, but also took the time to review and explain all the different options.At the end of it all, I ended up with better / more insurance coverage than I had with my previous company for the same rate as I was paying on a 5 year old vehicle.Highly reccomend June, and Duliban Insurance
Lisa was great, I’m very happy with her customer service and I got to use my EV discount. Will definitely use her again and I want to move over all my other Insurance over come time for renewal.
One of the most satisfying experiences I have in a long time. Hilary was very knowledgeable and professional. Hilary was able to address all my needs and followed up with me to make sure everything was done correctly and to my satisfaction. A job well done Thank you.Robert cockell
I had the pleasure of working with Brandan Ermacora. Professional, considerate and very helpful!
Super friendly, very quick responses on questions and extremely adaptable with my busy schedule. I 100% recommend!
I recently moved my personal car insurance from my previous broker to Duliban Insurance Brokers. Hilary Phelps made this transition seamless. Very informative and quick acting. Thank you Hillary and Duliban for your exceptional service.
Absolutely wonderful service. Amy made signing a new marine policy an awesome experience and exceeded all expectations!!John
I recently had the pleasure of working with Amy Brown, Senior Producer at Duliban Insurance Brokers, and I couldn’t be more impressed! Amy’s professionalism, dedication, and expertise truly set her apart. She went above and beyond to find the best insurance solution tailored to my needs, explaining every detail clearly and making the entire process seamless and stress-free.Amy’s exceptional communication skills and genuine care for her clients make her an invaluable asset to Duliban Insurance. I highly recommend Amy and the team at Duliban Insurance Brokers to anyone looking for personalized and reliable service. Thank you, Amy, for your outstanding support—I’m a customer for life!
I enjoyed meeting with you I felt very comfortable and I wasn't nervous. You were very helpful.
Hilary Phelps was absolutely wonderful to work with and very helpful setting up my policy
June was a wonderful help assessing what I needed and gave me a great price. She made the whole process painless and very quick!
Very friendly service. Thank you!
Very professional and helpful. Provided a quote the same day. Thanks
Amy at Duliban Insurance Brokers was very helpful and I highly recommend people to reach out to her for a quote before paying their renewal. You will be amazed at what they can do for you. Thank you
Amazing friendly service Amy was great to work with and got me set up quickly thank you very much for all your help!
In Oct'24, I engaged Amy Brown at Duliban Insurance Brokers to seek insurance renewal for my house in Niagara Falls, ON and she provided a prompt and excellent service, and I finalized the insurance with Intact at a much competitive rate than my current insurance broker and insurance company in Toronto.The online portal of Duliban Insurance Brokers makes it easy to manage the Policy.
Hillary has been extremely helpful getting us set up with insurance after a nightmare experience with Allstate.
I contacted Bryana about a quote for our home and trailer insurance. She was quick and very thorough with us getting us the correct quote we needed. She saved us a pile of money and was very professional. Thank you so much Bryana for your attention to detail and for putting money back in our pockets. I will definitely be encouraging others to contact you!
Great customer service
Amy at Duliban Insurance has been absolutely wonderful. After my old insurance broker did me wrong, Amy ensured I got the best rate possible and was super patient with me when gathering all my information. Great experience !
My daughter recommended Duliban insurance brokers to me as I was looking for home and auto coverage, Hilary Phelps from Duliban was very helpful and professional, would definitely recommend to friends and family.Thank you Hilary
When I first called Duliban I had to cancel due to a family issue..Warren Drake was very understanding..about 2 weeks later I called him to see if we could arrange to get a car and house quote.Warren was fast efficient and his positive suggestions made my decision to allot easier to make.Thankyou Warren for taking the time to explain everything.Paula L Potter
June made the process very easy. I would recommend a call to her for your insurance needs.
Great service, efficient and friendly!
I dealt with Amy for my home and auto insurance. She was super helpful and a pleasure to deal with. She helped me get a very reasonable rate and the communication throughout the entire process was great. Very happy with my decision to contact Duliban.
She found us the best rates,She was kind and very helpful! We would recommend Amy !
Received excellent service from Amy Brown in setting up auto insurance - thank you!
A friend referred Duliban to me when I was looking for auto insurance. I had a wonderful experience working with Bryana…she was so pleasant and knowledgeable during our interaction. From the moment I called, I was greeted with happy sounding people…people who obviously enjoy their role with customer service. Thank you again and I will highly recommend your services.
Hilary was great! Quick easy and efficient!
Amy was absolutely great. Made things fast and convenient for me so I could get everything I needed done in 1 day
The people that work in this office in Beamsville are incredible. They helped us navigate a claim and were kind and compassionate while we were distressed. Sheri you are awesome!!
Looking for a face to face quote for both house and auto insurance and dropped in to Duliban insurance on King St in Welland. I was quickly introduced to Amy Brown and we went to her office. Amy was very knowledgeable and professional in providing the information that I was looking for. There was one piece of information that I did not have and she could not retrieve electronically. She promised to get the information and send to me electronically which she did. My follow up questions were responded to quickly. Of the quotes I obtained Duliban were the best. I will be purchasing my insurance with Duliban. Amy has also informed me of their on line portal which will provide me quick access to my insurance need needs such aa online filing of a claim should the need arise.I would not hesitate to recommend Duliban Insurance agency and the services of Amy Brown for your insurance needs.
Hello Friends and fellow insurance seekers. I am here to tell you that you will be making THE choice that you are looking for in an insurance company. As a new customer with DULIBAN, I have the pleasure of understanding all I need to know about how to be safe on the road, with Duliban’s wonderful agent JUNE SABO. She helped me with all my questions before I even needed to ask them And More! June is the type of person who lets you feel you have made the right choice and know you joined a friendly family who cares about their customers. Very fair rates. Easy conversation. And always there when you need help. Thank you JUNE, and all the team at Duliban for getting me out on the road safely. Brad Beachin, St. Catharine’s, Ontario, Canada.
Maria was professional and knows her stuff.I am completely satisfied and would recommend her to my friends and relatives.But I think you need to change your phone answering system as well as the VOIP . Not up to Industry Standards.
Worked with Duliban to get the best and most affordable home insurance policy. Amy was great to work with and made it a quick and easy process to lock in our new home insurance!
I and my wife have been clients of Todd Minor for more than 15 years. We now have Maria Alvarez filling Todd's shoes We wanted to say that although we miss Todd Maria has done an excellent job in looking after both our auto and home insurance needs. Thank you for going the extra mile for us Maria
I had a good experienceThanks for your helpHenry
Amy Brown was very helpful and advised me about my insurance needs. I started two policies with the company.. one for my dwelling and the second for my sailboat. I have two automobiles that will require new policies when the existing ones expire.
Bryana was very helpful and well informed in helping me find a policy that was suitable for me. She is very professional and I would highly recommend her.
June was very thorough. Spent a lot of time with me going over different options of different policies and did not rush through any of it at all. We are incredibly happy with the customer service and the rates that we were given.Thanks June!
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