Ridesharing, carsharing and auto insurance in Ontario (protect yourself) | Financial Services Regulatory Authority of Ontario

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:

Ella Transportation Technologies – policy provided by Northbridge General Insurance Corporation

EZ Ride – policy provided by Northbridge General Insurance Corporation

Wilma – policy provided by Northbridge General Insurance Corporation

Lyft – policy provided by Aviva Insurance Company of Canada

RideCo – policy provided by Northbridge General Insurance Corporation

RideON – policy provided by Northbridge General Insurance Corporation

Steer – policy provided by Northbridge General Insurance Corporation

Uber – policy provided by Economical Mutual Insurance Company

Uride – policy provided by Northbridge General Insurance Corporation

NRT OnDemand – policy provided by Hartford Fire Insurance Company of Canada

ZoomZoom – policy provided by Northbridge General Insurance Corporation

Y-Drive - policy provided by Northbridge General Insurance Company

M-Rides - policy provided by Northbridge General Insurance Company

Ride HOVR Corporation – policy provided by Liberty Mutual Canada _(new!)

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: