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Driving for Uber, Lyft or another rideshare platform means your vehicle isn't being used only for personal driving anymore.
And that matters for insurance.
In Ontario, rideshare coverage can involve both your personal auto insurance and insurance provided through the rideshare platform. Understanding when each applies is an important part of making sure you're properly insured.
Avenue Insurance helps Ontario rideshare drivers understand their coverage and find personal auto insurance suited to how they actually use their vehicle.
Why Homeowners Choose Avenue Insurance
Rideshare insurance can be understood through these main categories
Personal Driving
Your personal auto policy generally applies when you are using your vehicle for personal activities.
Logged Into the Rideshare App
When you are logged into an approved rideshare platform and waiting for a ride request, the platform’s commercial rideshare policy may apply according to its terms.
Accepted Rides
Once you accept a ride, the platform’s commercial rideshare policy may apply while you travel to pick up the passenger and transport them.
What Is Rideshare Insurance?
How Does Rideshare Insurance Work in Ontario?
The easiest way to understand rideshare insurance is by looking at your driving activity.
Driving Activity
What Is Happening?
Insurance to Review
Personal Driving
Rideshare app is off
Your personal auto policy applies
Available for Rides
App is on and you're waiting for a request
Approved rideshare platform coverage may apply
Ride Accepted
You're travelling to pick up the passenger
Rideshare platform's commercial policy applies according to its terms
Passenger in Vehicle
You're completing the trip
Rideshare platform's commercial policy applies according to its terms
Trip Complete / App Off
You're back to personal use
Your personal auto policy applies
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