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Ride-sharing insurance is finally here.

Yes, we know: you enjoy making good money as a driver with Uber or another ride-sharing service, but you're worried about your insurance coverage. Now you don't have to be. As of February 2016, LowestRates.ca offers insurance plans for ride-sharing drivers in select Canadian provinces.

Fill out the form above to learn more about ride-sharing insurance and to get a quote. One of our trusted broker partners will find you the right ride-sharing insurance coverage and help you set up your policy.

Your ride-sharing insurance questions, answered.

Why do Uber and other ride-sharing drivers need extra insurance?

Unfortunately, your personal car insurance policy doesn't cover you if you transport passengers for money. Your insurer can refuse to pay your claim if you get into an accident or it can cancel your coverage entirely.

How does the insurer calculate the premium on my ride-sharing auto coverage?

Your insurer calculates your rate based on factors like your driving record, when and where you drive, and how much time you spend per week ride-sharing. If you only spend a few hours per week ride-sharing, you can tailor your coverage to reflect that fact and to help reduce your premium. At LowestRates.ca, finding cheap ride-sharing insurance in Canada is easy.

Is there any limit to how much I can ride-share and still be insured?

The ride sharing insurance that we offer currently has a ride-sharing limit of 10 or 20 hours per week, depending on which plan you select.

Are all drivers eligible for ride-sharing insurance?

No. To be eligible for the ride-sharing insurance we offer, drivers must meet several key tests:

  • You must hold a valid Canadian or U.S. driver's license for at least 6 years.
  • You can't use your vehicle for ride-sharing for more than the maximum number of hours outlined in your policy.
  • You can't use your vehicle for other commercial purposes (deliveries, transporting finished goods, towing, etc.).
  • Only the drivers listed on the ride-sharing policy can transport passengers for pay.

Other restrictions also apply. Call for details.

Does my ride-sharing coverage affect my personal coverage?

No. Our ride-sharing insurance plans 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 when you're transporting paying customers.

What kind of coverage does ride-sharing insurance provide?

Because the ride-sharing insurance available on our site is an add-on, you maintain the coverage limits that apply to your main auto insurance policy. Here's what standard coverage includes:

  • Third-party liability: If you're responsible for an accident, third-party liability covers damages, injuries, and losses sustained by other drivers and passengers.
  • Direct compensation property damage (DCPD): With DCPD coverage, your insurer covers damages to your vehicle even when the other driver is at fault.
  • Uninsured or unidentified automobile coverage: If you're in an accident with an uninsured or unidentified driver, this coverage pays for you and your passenger's injuries, as well as your vehicle repairs.
  • Accident benefits: This type of coverage helps pay for you and your passenger's injuries no matter who's at fault.

Are ride-sharing insurance plans available across Canada?

Ride-sharing coverage is currently available in Ontario, Quebec, Alberta, and Atlantic Canada (N.B., N.L., N.S., P.E.I.) — the provinces where Uber and other ride-share services have been legalized by some municipalities. As ride-share becomes more popular in other locations, expect coverage to become increasingly accessible.

Check back to find out when your area is getting ride-sharing insurance.

Ride-sharing insurance availability in Canada
Province / TerritoryRide-sharing insurance available?
Alberta 
British Columbia 
Manitoba 
New Brunswick 
Newfoundland 
Northwest Territories 
Nova Scotia 
Nunavut 
Ontario 
PEI 
Quebec 
Saskatchewan 
Yukon 

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