Your Uber Ride is now covered by insurance

August 1, 2016

Up until recently, the entire Uber universe in Ontario (its various products include UberX, UberXL, Uber Select, UberHop and UberPool) has operated largely unregulated. However, recent developments will offer some assurance to Uber drivers, passengers and the public when it comes to insurance coverage in Ontario.

On July 7, 2016, the Financial Services Commission of Ontario approved an automobile insurance policy through Intact Insurance Company that covers all Uber drivers, passengers and vehicle owners. The policy provides standard accident benefits and third party insurance coverage from the moment the Uber application is turned on by the driver.

Uber drivers and owners will automatically have insurance coverage commencing the moment the Uber application is turned on in their vehicle. The third party coverage is limited to $1,000,000.00 from the time the application is turned on until the time the driver accepts a trip. The coverage increases to $2,000,000.00 from the time a trip is accepted until the passenger exits the vehicle. Once the passenger exits the vehicle, the third party coverage again returns to $1,000.000.00 until the next trip is accepted by the Uber driver. The coverage applies across the entire spectrum of Uber products.

One thing to keep in mind is that Uber drivers/owners are not covered under the Intact policy when the Uber Application is turned off (i.e. when they are using their vehicle in their personal capacity).

ABR Updater Issue 32 | August 2016 Thumbnail
Read full article by personal injury lawyer Stephen Birman: Your Uber ride is now covered by insurance but further coverage is recommended

Share this


Related articles:

Landmark Trial Decision – Ontario Superior Court Rules In Favour of PS752 Victims

Read more
Sloan H. Mandel, Alex Mladenovic, Deana S. Gilbert

Thomson Rogers Secures Important Victory in Denman v. Radovanovic Appeal: Court of Appeal Upholds $8.5 Million Informed Consent Verdict and $3 Million Cost Award

Read more
Baker v. Blue Cross –The Ontario Court Of Appeal Upholds The Largest Known Punitive Damages Award Against A Disability Insurance Company In Canada

Baker v. Blue Cross –The Ontario Court Of Appeal Upholds The Largest Known Punitive Damages Award Against A Disability Insurance Company In Canada

Read more
Sloan H. Mandel, Alex Mladenovic, Deana S. Gilbert

Thomson Rogers Medical Malpractice Team Secures an $8.5 Million Judgment and a $3 Million Cost Award

Read more

Landmark Trial Decision – Ontario Superior Court Rules In Favour of PS752 Victims

Read more
Sloan H. Mandel, Alex Mladenovic, Deana S. Gilbert

Thomson Rogers Secures Important Victory in Denman v. Radovanovic Appeal: Court of Appeal Upholds $8.5 Million Informed Consent Verdict and $3 Million Cost Award

Read more
Baker v. Blue Cross –The Ontario Court Of Appeal Upholds The Largest Known Punitive Damages Award Against A Disability Insurance Company In Canada

Baker v. Blue Cross –The Ontario Court Of Appeal Upholds The Largest Known Punitive Damages Award Against A Disability Insurance Company In Canada

Read more
Sloan H. Mandel, Alex Mladenovic, Deana S. Gilbert

Thomson Rogers Medical Malpractice Team Secures an $8.5 Million Judgment and a $3 Million Cost Award

Read more

Stay Informed

Subscribe to receive updates on the latest news from Thomson Rogers as well as invitations to seminars, webinars and more.

Sign up now