Auto coverage
Rideshare and delivery drivers.
A standard personal auto policy does not cover you while you are working. In Ontario that gap has a specific fix.
What it covers
The parts worth getting right.
- The endorsement that keeps you covered while the app is on
- Cover between accepting a ride and picking up
- Food and parcel delivery, which is rated differently again
- Your personal driving, unchanged
Commonly missed
The platform’s own policy usually starts when a trip is accepted. The window before that is on you, and it is the most common uninsured moment in this line.
Get a QuoteWorth knowing
The moment the app opens, your personal policy stops being the whole answer.
Common questions
Asked most about this.
Does Uber’s insurance not cover me?
Only from the point a trip is accepted. The window while you are logged on and waiting is the gap the endorsement fills.
Do I have to tell my insurer?
Yes. Driving for an app without declaring it is one of the more reliable ways to have a claim denied.
More auto coverage
Also under auto.
Car insurance
The mandatory coverage, plus the parts people skip.
See coverageMotorcycle insurance
Seasonal, and rated very differently by each insurer.
See coverageBoats, ATVs and snowmobiles
Toys on land, water and snow.
See coverageClassic and collector cars
Agreed value, not what a book says it is worth.
See coverage
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