The Fast and the Curious: Should you buy a sports car?
Sports cars are often in the news for all the wrong reasons, but nevertheless sales in Canada seem to be cranking up. A ...
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When you find the best quote, secure your rate by talking to a licensed broker or agent.
Thinking of using your car to make a few extra bucks by ride sharing for Uber or Lyft? Awesome!
Uber and Lyft automatically provide insurance coverage for you when you’re on the clock — that should be enough, right?
Nope: you’ll need permission from your car insurance provider to ride share.
Even after you get permission, you’re not done yet. You may also need additional personal coverage on top of what you’re getting from Uber or Lyft to fill in the gaps in their policies.
Fill out the form above and one of our broker partners will find the best ride sharing insurance policy for you.
See how our customers with collision coverage save big on auto insurance.
Customer | Location | Vehicle | Lowest rate | Average rate | Saved |
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Quote from December 10, 2024 Customer Female, 50 years old | Location ontario | Vehicle 2008 ACURA RDX 4DR AWD | Lowest Rate $268/mth $3,214/yr | Average Rate $529/mth $6,348/yr | Saved $261/mth 49.37% |
Quote from December 10, 2024 Customer Female, 39 years old | Location alberta | Vehicle 2022 HONDA CR-V LX 4DR AWD | Lowest Rate $139/mth $1,669/yr | Average Rate $262/mth $3,147/yr | Saved $123/mth 46.97% |
Quote from December 10, 2024 Customer Male, 46 years old | Location ontario | Vehicle 2017 DODGE/RAM GRAND CARAVAN GT | Lowest Rate $418/mth $5,015/yr | Average Rate $680/mth $8,158/yr | Saved $262/mth 38.53% |
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company
Unfortunately, while Uber and Lyft provide insurance for drivers in Canada, their coverage doesn’t protect you in many cases. Additionally, your personal car insurance policy won’t cover you if you use your car for commercial or for-profit purposes without informing your insurance company.
On LowestRates.ca, we connect you with companies offering ride sharing coverage across Canada.
LowestRates.ca connects you with car insurance companies that will cover you if you use your vehicle for ride sharing. All you have to do is fill in your name and contact information and one of our trusted broker partners will find you the right ride share insurance quote and help you set up your policy.
The coverage we can secure for you is not the same as the commercial auto insurance policy that will be provided through Uber or Lyft. We will connect you with insurance companies willing to include ride sharing in your personal auto insurance policy or permit you to ride share under that policy.
Ride sharing coverage is currently available in Ontario, Quebec, Alberta, British Columbia and Atlantic Canada (N.B., N.L., N.S., P.E.I.) — the provinces where Uber and other ride share services have been legalized.
Check back to find out when your area is getting ride sharing insurance.
Uber and Lyft provide some car insurance on their drivers’ behalf. Uber and Lyft insurance policies only kick in when the app is turned on and are designed to deal with liability claims. The bottom line is, these policies may leave you on the hook for any damage incurred to your vehicle.
More importantly, if you fail to inform your car insurance provider, your personal auto insurance could be voided.
Each insurance company will treat ride sharing differently, which is why it’s difficult to say what the impact on your premiums will be.
In addition to factors like your driving record, where you live and how frequently you drive, your insurer will also have to take into account how much time you spend per week ride sharing and where you’ll primarily be sharing rides.
While coverage provided by Uber and Lyft has improved, it is best to talk to your insurance broker to ensure you and your vehicle are properly insured.
Regardless of what you need, finding cheap Lyft or Uber insurance through LowestRates.ca is quick and easy.
While the answer varies for everyone, your premiums depend on a variety of factors including age, your location, the type of car you drive and your driving record. If you choose to add coverage to your insurance policy to cover your ride sharing activity, that may also increase your rates.
First, figure out exactly how you’re covered by your personal auto insurance and by the ride sharing company you’re planning to drive for before you invest in additional insurance.
No. To be eligible for the ride sharing insurance our insurance partners offer, drivers must meet several key tests. Some of these include:
In most cases, yes. When you compare rideshare insurance packages offered by our partners, these are separate add-ons or "endorsements" attached to your standard car insurance policy. These add-ons extend your car insurance coverage so that it applies even insurance provided by Uber or Lyft does not. Including these add-ons in your policy will not change your personal coverage, though it will typically increase your premium.
Here’s what your personal coverage includes:
In some cases, however, your Uber or Lyft insurance policy may be expanded if you’re already paying for collision and comprehensive coverages on your personal policy.
Read on to learn more about how your personal policy can impact the coverage Uber or Lyft will give you if you get into an accident while working. We’ll also discuss when you’re covered under your personal policy and when Uber or Lyft insurance will kick in to protect you.
The short answer is no. However, If you’re an Uber driver you must let your personal auto insurance provider know that you’re working for a ride sharing company in your spare time to ensure you have the coverage you need when you are using your vehicle for personal use. The same applies to Lyft drivers and drivers of other ride sharing platforms.
Becoming an Uber or Lyft driver doesn’t automatically mean your personal premiums will be affected. It depends on where you get your insurance so contact your provider for more information. The extra premiums, if they happen, are still going to be cheaper than if something happens and you’re not covered.
Both companies provide coverage when you’re working as a driver but you’ll need to maintain your personal car insurance on top of what you’re getting from Lyft or Uber to be protected at all times.
If you drive for Uber, you are automatically covered by Uber’s blanket fleet coverage through its commercial Intact Insurance policy. The coverage is broken down as follows:
Lyft provides commercial insurance policies — at no extra cost to the drivers — through Aviva.
At this time Lyft is only available in select cities in British Columbia and Ontario.
Lyft segments their covered periods the following way:
If drivers use their own vehicles to deliver food, they need additional insurance.
Drivers should confirm the existing coverage the ride sharing company provides before signing up.
Not every insurance company has policies for rideshare drivers. If your provider doesn’t offer rideshare insurance, fill out our form to be connected with companies that do.
If you don’t let your insurer know that you plan on driving for a ride sharing app, they could cancel your coverage so that should still be your first step.
Sports cars are often in the news for all the wrong reasons, but nevertheless sales in Canada seem to be cranking up. A ...
This article has been updated from a previous version. In May 2020, a 75-year-old man from Fort Vermillion...