Are You Covered?
The earning potential with Uber is very high, but so is the risk. When you accept a ride with Uber and pick up the passengers, you are now considered a commercial driver. At this point, since one of the main exclusions on your personal auto policy is “driving-for-hire”, your insurance company may not cover you in the event of a claim.
Uber’s insurance policy with Intact covers you from the moment you log into the app to when you log out. Your personal auto insurance company will still need to know that you drive for Uber and many of them will not accept you. If you do not disclose this information to the company, they can cancel you for misrepresentation.
Frequently Asked Questions
Most frequent questions and answers
In the event of a claim, you must email Uber notifying them of the claim and answer the questions they require. They will then send the accident log to Intact.
Intact is the only company that covers Uber. All other companies may not cover you in the event of a loss while logged in if you have not made it know you are an Uber driver. If you disclose your commercial activities to your current provider, they may cancel your policy.
If you do not disclose that you drive Uber to your company, they will likely reject any claim that occurs and possibly cancel you for misrepresentation (your next insurance policy will be very expensive with this on your record).
Intact only works through licensed insurance brokers. Contact your local insurance broker and they will quote you and facilitate the process.
Get a Quote
Getting a quote for your car when driving as an Uber driver is very similar to getting a regular auto insurance quote.
You may contact Filip Ambroziak either by phone (416) 803-2113, or email (firstname.lastname@example.org). We have also created a form on the Auto Insurance Page which will guide you in what needs to be provided. Simply add that you are an Uber driver in the details and the email will be sent out.