With the rapid rise of ridesharing and carsharing services, here is what you need to know about insurance coverage in Ontario.
Ridesharing
FSRA has approved auto insurance products for the following ridesharing companies only:
ecoRIDES – policy provided by Northbridge General Insurance Corporation
DriveHER – policy provided by Northbridge General Insurance Corporation
Facedrive – policy provided by Northbridge General Insurance Corporation
Lyft – policy provided by Aviva Insurance Company of Canada
RideCo – policy provided by Northbridge General Insurance Corporation
Uber – policy provided by Intact Insurance Company
Uride – policy provided by Northbridge General Insurance Corporation
All drivers, passengers and vehicle owners are covered from the moment the app is turned on to the moment passengers exit the vehicle. When the app is turned off, the vehicle owner’s personal auto insurance policy applies.
Carsharing
FSRA has approved auto insurance products for the following carsharing companies only. All participating drivers, passengers and vehicle owners in Ontario are covered during vehicle delivery and rental periods. Always review your company's policy to understand when it applies to you:
Outdoorsy – policy provided Aviva Insurance Company of Canada
ShiftRide – policy provided Northbridge General Insurance Corporation
Turo – policy provided by Novex Insurance Company
Using an electronic insurance card
FSRA has approved the use of an electronic insurance card (pink card) for ridesharing drivers. This enables drivers to show proof of coverage to the police while engaged in ridesharing.
Rideshare drivers
If you are a rideshare driver, you can access the insurance card through the ridesharing app. The electronic insurance card is activated when you are logged in to the app.
Carshare participant
If you are a carsharing participant, contact your carsharing company for information on how to access or receive your insurance card.
How to make an insurance claim after an accident
A number of variables can impact the insurer to which you should send your claim. Before you make a claim with an insurer, it is important to understand your insurance coverage options.
Carefully review the information provided by your ridesharing or carsharing company, their insurer and any other insurer that may cover you, such as your personal auto insurance policy. You may also wish to consider getting independent legal advice, particularly if you or others were injured in the accident.
Rideshare drivers
If you are a ridesharing driver and the app was not on at the time of the accident, contact your personal auto insurance representative.
Carshare participants
If you are a carsharing participant, contact your carsharing company for information on how to make a claim.
Important information for passengers
If you are involved in a ridesharing or carsharing accident as a passenger, it is important to record all the details of the accident, to help you make an insurance claim.
If you don’t have personal auto insurance coverage, contact the ridesharing or carsharing company’s insurer about making a claim. You can get the insurance policy information from the driver or from the company’s website.
You may also wish to consider getting independent legal advice, particularly if you or others were injured in the accident.