If you drive for Uber, Lyft, or another ride-hailing service in Canada, you need specialized rideshare insurance. Standard personal auto insurance policies do not cover you while you are logged into a rideshare app, and driving without proper coverage can leave you personally liable for damages, void your personal policy, and result in fines. Canadian provinces have varying regulations for rideshare insurance, and the available options depend on where you operate. Some provinces require a separate commercial endorsement, while others have hybrid personal-rideshare policies. A broker who understands rideshare regulations in your province can help you get the right coverage.
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No. Standard personal auto insurance policies in Canada exclude coverage while you are using your vehicle for commercial purposes such as ride-hailing. If you are in an accident while logged into a rideshare app, your personal insurer may deny the claim and potentially cancel your policy. You need a specific rideshare endorsement or commercial policy.
Options vary by province. In Ontario, insurers offer rideshare endorsements that extend your personal policy. In Alberta, you may need a commercial vehicle policy. In British Columbia, ICBC offers a specific ride-hailing vehicle class. Quebec, Manitoba, and Saskatchewan have their own requirements through their public insurers. Check with a local broker for the exact options in your province.
Rideshare insurance typically adds $500 to $2,000 per year on top of your personal auto premium, depending on your province, driving record, and how many hours you drive. Some insurers charge a flat endorsement fee, while others adjust based on usage. The cost is tax-deductible as a business expense for rideshare drivers.
Both Uber and Lyft maintain commercial insurance policies that cover drivers during active rides (when a passenger is in the vehicle) and to some extent when you are en route to pick up a passenger. However, these policies have gaps, may not cover damage to your own vehicle, and may not apply when you are logged into the app waiting for a ride request. Personal rideshare coverage fills these gaps.
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