Ridesharing, carsharing and auto insurance in Ontario

Ridesharing services use mobile apps to connect paying passengers with drivers who use their personal vehicle to pick up passengers and transport them to a set destination. Carsharing services (sometimes known as vehicle sharing or peer-to-peer car rental services) use mobile apps to connect renters with car owners.

 

Here’s what you should know about auto insurance coverage related to ridesharing and carsharing in Ontario.

 

What’s on this page:

 

  1. Ridesharing and carsharing companies in Ontario
  2. Important information for drivers and vehicle owners
  3. Important information for passengers
  4. Learn more

Ridesharing and carsharing companies in Ontario

Insurance for ridesharing

FSCO has approved auto insurance products for the following ridesharing companies:

 

All drivers, passengers and vehicle owners in Ontario using the listed ridesharing companies 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.

Insurance for carsharing

FSCO has approved auto insurance products for the following carsharing companies:

 

All drivers, passengers and vehicle owners in Ontario using the listed carsharing companies are covered during the delivery and rental periods. All carsharing participants should review the company’s policy to understand when it applies to them. 

What about other ridesharing or carsharing companies?

If you use or drive for companies not listed on this page, you might not be protected against certain damages and losses, or in case of injury to yourself or others.

 

Check with your personal auto insurance representative to find out if you’re covered.

 

Important information for drivers and vehicle owners

Inform your personal auto insurer

All vehicle owners who use their personal vehicles to carry paying passengers or rent their car through carsharing should inform their personal auto insurance representative.

 

Your insurer may permit you to drive for a ridesharing company or rent your vehicle through a carsharing company, and may provide additional coverages that are not available through the ridesharing or carsharing company’s insurer.

 

Some insurance providers may charge you an additional fee for permission to use your vehicle for ridesharing or carsharing activities. This fee may provide you with supplementary coverage to the company’s fleet insurance policy.

 

However, please note that insurers are not required to permit your vehicle to be used for ridesharing or carsharing activities under your personal auto insurance policy. They may attempt to cancel or not renew your personal auto policy.

Leased and rented vehicles

If your personal vehicle is leased or rented, you might not be able to:

 

  • participate in ridesharing as a driver
  • rent your vehicle to others through a carsharing platform

Review your lease or rental agreement carefully before carrying paying passengers or renting your vehicle through a carsharing platform. Be sure to check the terms of the lease or financing. You may also want to contact your leasing or car rental company and/or get independent legal advice before you sign on with a ridesharing or carsharing service.

The ridesharing or carsharing company’s policy may differ from your personal policy

Your personal auto insurance coverage and options may be different than those provided under a ridesharing or carsharing company’s policy. That’s why it’s important for you to:

 

  • review the coverages provided by the company carefully
  • read all the information on the company’s website
  • talk to the ridesharing or carsharing company and its insurer, as well as your personal auto insurance representative, for additional information and advice

Amount of coverage per company policy

Make sure you understand your ridesharing or carsharing company policy and when it applies to you by: 

 

  • reading the information on the company’s website
  • talking to the company and its insurer for more details about the coverage
  • talking to municipal officials for details about municipal requirements (for ridesharing companies only)

The amount of coverage under a ridesharing company’s policy may vary depending on whether the driver has accepted a request using the app. The coverage can also be affected by requirements of the municipality.

 

The amount of coverage under a carsharing company’s policy may vary depending on the company.

Using an electronic insurance card

FSCO has approved the use of an electronic insurance card (pink card) for ridesharing drivers. This enables drivers to show proof of coverage to the police while engaged in ridesharing.

 

If you are a rideshare driver, you can access the insurance card through the ridesharing app. The electronic insurance card is activated when you are logged in to the app.

 

If you are a carsharing participant, contact your carsharing company for information on how to access or receive your insurance card.

Making an insurance claim after an accident

To help make a claim, ridesharing and carsharing drivers should take down all the details of the accident.

 

A number of variables can impact the insurer to which you should send your claim. Before you make a claim with an insurer, it is important to understand your insurance coverage options.

 

Carefully review the information provided by your ridesharing or carsharing company, their insurer and any other insurer that may cover you, such as your personal auto insurance policy. You may also wish to consider getting independent legal advice, particularly if you or others were injured in the accident.

 

  • If you are a ridesharing driver and the app was not on at the time of the accident, contact your personal auto insurance representative. Also, be prepared to share your insurance information with passengers, other motorists and any pedestrians who may have been involved in the accident.
  • If you are a carsharing participant, contact your carsharing company for information on how to make a claim.

Important information for passengers

 

Passengers in ridesharing or carsharing vehicles that are involved in an accident should take down all the details of the accident to help make an insurance claim.

 

A number of variables can impact which insurer you should send your claim to. Generally, if you have auto insurance coverage under your own policy or someone else’s policy, such as a family member, contact your personal auto insurance representative for information and advice.

 

If you don’t have personal auto insurance coverage, contact the ridesharing or carsharing company’s insurer about making a claim. You can get the insurance policy information from the driver or from the company’s website.

 

You may also wish to consider getting independent legal advice, particularly if you or others were injured in the accident.

 

Learn more

 

Find out more about auto insurance in Ontario.

 

Read about Ontario Modernizing Auto Insurance System to Protect Ride-Sharing Consumers [New Window].

 

Read the Superintendent of Financial Services’ bulletin about ridesharing.

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