Quebec
Uber maintains auto insurance on behalf of Quebec partners. That insurance is provided by Economical Insurance and includes the following protections in case of a covered accident:
$1 million civil liability coverage
Covers your civil liability to third parties from the moment you log on the Uber app until the moment you log off.
Contingent Coverages
Nova Scotia
The commercial auto insurance that Uber maintains on your behalf when you’re on a rideshare trip in Nova Scotia is provided by Economical Insurance and includes the following protection in case a covered accident occurs between accepting a trip and reaching the destination:
$2 million of third party liability coverage
Covers your liability to third parties from the moment you accept an Uber trip until its conclusion.
Loss or damage to a vehicle
From the moment you accept a trip until its conclusion, this policy covers loss or damage to the vehicle, subject to a $2,500 deductible. This coverage only applies if the vehicle is also insured for collision and comprehensive coverage on your personal auto policy.
Coverage between trips
Nova Scotia mandatory accident benefits
Uber also maintains commercial auto insurance on your behalf during the time that you are available through the Uber app but have not yet accepted a trip. When applicable, the insurance provides $1 million of third party liability coverage in the event your insurer denies coverage.
The certificate of insurance and link to the policy itself can be found here.
Newfoundland and Labrador
The commercial auto insurance that Uber maintains on your behalf when you’re on a rideshare trip in Newfoundland and Labrador is provided by Economical Insurance and includes the following protection in case a covered accident occurs between accepting a trip and reaching the destination:
$2 million of third party liability coverage
Covers your liability to third parties from the moment you accept an Uber trip until its conclusion.
Loss or damage to a vehicle
From the moment you accept a trip until its conclusion, this policy covers loss or damage to the vehicle, subject to a $2,500 deductible. This coverage only applies if the vehicle is also insured for collision and comprehensive coverage on your personal auto policy.
Coverage between trips
Newfoundland and Labrador mandatory accident benefits
Uber also maintains commercial auto insurance on your behalf during the time that you are available through the Uber app but have not yet accepted a trip. When applicable, the insurance provides $1 million of third party liability coverage in the event your insurer denies coverage.
The certificate of insurance and link to the policy itself can be found here.
Saskatchewan
As a rideshare driver in Saskatchewan, you do not need to adjust your personal auto insurance policy. You will continue to pay for your plates and receive the SGI basic insurance coverage as you do today. Uber will pay an additional premium to SGI so that your basic insurance will not exclude ridesharing activity - i.e. the time period from when you have accepted a ride via the Uber app until the trip is completed or the ride is cancelled.
If you’re engaged in ridesharing activity and are responsible for a collision, basic plate insurance will still apply. Additional Uber purchased liability insurance will apply if damages exceed $200,000 (the liability insurance included with basic plate insurance).
The Uber purchased policy provides $2 million in liability limits. The policy also includes $2 million of uninsured motorist coverage. A link to the policy is here.
If you have purchased an Auto Pak policy to lower your deductible, or for replacement cost coverage if you’re involved in a collision, that coverage will not apply if you’re involved in a collision while engaged in ridesharing activity. If you’re driving your vehicle for personal use (i.e. not engaged in ridesharing activity), your package policy will apply in the event of a collision.
Commercial coverage for Uber Black
To provide Uber Black rides, you must be a professional limousine driver with a commercial licence and commercial insurance.
Uber does not maintain insurance to cover Uber Black and Uber SUV as the drivers are required to maintain their own commercial insurance.
Driving with Uber is your way to earn extra money anytime. And with more riders and trips than any other service, there’s more money around every corner.
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