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Commercial auto insurance coverage issued by Economical

Drivers with Uber across Ontario, Quebec, Alberta, Nova Scotia, New Brunswick, and Newfoundland automatically receive commercial auto insurance coverage issued by Economical Insurance whenever using the app. This commercial auto insurance partnership between Uber and Economical helps protect you while you’re performing ridesharing and delivery services with Uber. As of April 1, 2024, this coverage also applies for drivers performing ridesharing services in Newfoundland.

How your automatic coverage works

The commercial auto insurance policy issued by Economical covers you from the moment you make yourself available to accept a ride or delivery in the Uber app to the moment the request is completed. When providing ridesharing, this coverage also helps protect your passengers from the moment you pick them up to the moment they exit your vehicle.

When you’re using your vehicle for personal use, you have to rely on your own personal auto insurance policy, which must be in force in order for you to drive with Uber.

When you’re using your vehicle for personal use, your personal car insurance policy applies.

When you’re logged into the Uber app and available for a request, your personal car insurance coverage may apply depending on your province, but coverage may also be available through the commercial auto insurance policy issued by Economical. Please see your province's policy for details.

When you’ve accepted a request on the Uber app and you’re on your way to pick up a passenger or delivery, you’re covered by the commercial auto insurance policy issued by Economical.

When you’ve picked up your passenger or delivery and you’re on your way to the drop-off destination, you’re covered by the commercial auto insurance policy issued by Economical.

 

Note: You’re responsible for informing your broker or insurance provider that you’re participating in ridesharing or delivery activities so they can make sure you have the personal car insurance you need before you get behind the wheel.

Coverage limits and policy documents

For details on your coverage for each period, please select your region below.

The information on this page is not meant as a comprehensive description of the terms and conditions for coverage. Always refer to the insurance policy for information about coverage, including limits, deductibles, and exclusions. In the case of a discrepancy, the insurance contract currently in force in your province prevails over general information described on this site.

 

Uber Ridesharing and Uber Delivery coverage:

  • Offline: No coverage
  • Period 1: $1,000,000 Third Party Liability, Standard Accident Benefits, Contingent Collision and Comprehensive Coverage* (subject to $2,500 deductible)
  • Periods 2 & 3: $2,000,000 Third Party Liability, Standard Accident Benefits, Contingent Collision and Comprehensive Coverage* (subject to $2,500 deductible)

Click here to view the commercial auto insurance policy document for Ontario.

*Contingent Collision and Comprehensive Coverage is only available under the Commercial policy to participating drivers with Uber who carry this coverage on their personal automobile insurance policy.

Uber Ridesharing and Uber Delivery coverage:

  • Offline: No coverage
  • Period 1: $1,000,000 Civil Liability, Contingent Collision and upset, and all perils other than collision or upset coverage* (subject to applicable deductible)
  • Periods 2 & 3: $1,000,000 Civil Liability, Contingent Collision and upset, and all perils other than collision or upset coverage* (subject to applicable deductible)

Click here to view the commercial auto insurance policy document for Quebec.

*Contingent Collision and Comprehensive Coverage is only available under the Commercial policy to participating drivers with Uber who carry this coverage on their personal automobile insurance policy (variable limits, deductibles and benefits depending on underlying coverage).​

Uber Ridesharing and Uber Delivery coverage:

  • Offline: No coverage
  • Period 1: $1,000,000 Third Party Liability, Standard Accident Benefits (Note: Your personal car insurance coverage applies first in Period 1, but back-up coverage may be available through the commercial policy)
  • Periods 2 & 3: $2,000,000 Third Party Liability, Standard Accident Benefits, Collision and Comprehensive Coverage (subject to $2,500 deductible)

Click here to view the commercial auto insurance policy document for Alberta.

Uber Delivery coverage:

  • Offline: No coverage
  • Period 1: $1,000,000 Third Party Liability, Standard Accident Benefits, Contingent Collision and Comprehensive Coverage* (subject to $2,500 deductible)
  • Periods 2 & 3: $2,000,000 Third Party Liability, Standard Accident Benefits. Contingent Collision and Comprehensive Coverage* (subject to $2,500 deductible)

Click here to view the commercial auto insurance policy document for Uber Delivery in Nova Scotia.

*Contingent Collision and Comprehensive Coverage is only available under the Commercial policy to participating drivers with Uber who carry this coverage on their personal automobile insurance policy.

Uber Ridesharing coverage:

  • Offline: No coverage
  • Period 1: Back-up coverage under the Uber commercial policy $1,000,000 Third Party Liability, Standard Accident Benefits (Note: Your personal car insurance coverage applies first in Period 1, but back-up coverage may be available through the commercial policy)
  • Periods 2 & 3: $2,000,000 Third Party Liability, Standard Accident Benefits. Contingent Collision and Comprehensive Coverage* (subject to $2,500 deductible)

Click here to view the commercial auto insurance policy document for Uber Ridesharing in Nova Scotia.

*Contingent Collision and Comprehensive Coverage is only available under the Commercial policy to participating drivers with Uber who carry this coverage on their personal automobile insurance policy.

Uber Delivery coverage:

  • Offline: No coverage
  • Period 1: $1,000,000 Third Party Liability, Standard Accident Benefits, Contingent Collision and Comprehensive Coverage* (subject to $2,500 deductible)
  • Periods 2 & 3: $2,000,000 Third Party Liability, Standard Accident Benefits, Contingent Collision and Comprehensive Coverage* (subject to $2,500 deductible)
  • Note: Uber Ridesharing is not currently available in New Brunswick

Click here to view the commercial auto insurance policy document for Uber Delivery in New Brunswick.

*Contingent Collision and Comprehensive Coverage is only available under the Commercial policy to participating drivers with Uber who carry this coverage on their personal automobile insurance policy.

Uber Delivery coverage:

  • Offline: No coverage
  • Period 1: $1,000,000 Third Party Liability, Standard Accident Benefits, Contingent Collision and Comprehensive Coverage* (subject to $2,500 deductible)
  • Periods 2 & 3: $2,000,000 Third Party Liability, Standard Accident Benefits, Contingent Collision and Comprehensive Coverage* (subject to $2,500 deductible)

Click here to view the commercial auto insurance policy document for Uber Delivery in Newfoundland.

*Contingent Collision and Comprehensive Coverage is only available under the Commercial policy to participating drivers with Uber who carry this coverage on their personal automobile insurance policy.

Uber Ridesharing coverage:

  • Offline: No coverage
  • Period 1: Back-up coverage under the Uber commercial policy $1,000,000 Third Party Liability, Standard Accident Benefits (Note: Your personal car insurance coverage applies first in Period 1, but back-up coverage may be available through the commercial policy)
  • Periods 2 & 3: $2,000,000 Third Party Liability, Standard Accident Benefits. Contingent Collision and Comprehensive Coverage* (subject to $2,500 deductible)

Click here to view the commercial auto insurance policy document for Uber Ridesharing in Newfoundland.

*Contingent Collision and Comprehensive Coverage is only available under the Commercial policy to participating drivers with Uber who carry this coverage on their personal automobile insurance policy.

Uber Delivery coverage:

  • Offline: No coverage
  • Period 1: $1,000,000 Third Party Liability, Standard Accident Benefits, Contingent Collision and Comprehensive Coverage* (subject to $2,500 deductible)
  • Periods 2 & 3: $2,000,000 Third Party Liability, Standard Accident Benefits. Contingent Collision and Comprehensive Coverage* (subject to $2,500 deductible)
  • Note: Uber Ridesharing is not currently available in Prince Edward Island

Click here to view the commercial auto insurance policy document for Uber Delivery in Prince Edward Island.

*Contingent Collision and Comprehensive Coverage is only available under the Commercial policy to participating drivers with Uber who carry this coverage on their personal automobile insurance policy.

How to make a claim

If you get into an accident while participating in ridesharing or delivery, contact Uber using the Uber app to start the claims reporting process. If you have any questions about your claim, you may contact Economical at 1-888-333-1908 or 1-888-333-1914 (Quebec).

Definity Repair Partners

Our priority is providing a quick and easy claim experience to get you back on track. That’s why we recommend reliable providers when you need them. When you choose a Definity Repair Partner, our hassle-free service program guarantees the quality of your repairs to meet or exceed industry standards. With 24-hour emergency service, we’ll be there when you need us most. Learn more about our Definity Repair Partners or contact your adjuster and we’ll contact one of our approved repair facilities in your area. 

Frequently asked questions

If you have a question you don't see below, you can check out additional frequently asked questions for drivers in Ontario, Quebec, Alberta, Nova Scotia, New Brunswick, Newfoundland, or Prince Edward Island

 

At Economical, we’re all about protecting Canadians by providing innovative insurance solutions designed to meet their ever-changing needs. Just as the sharing economy continues to evolve at a rapid pace, we’re working to transform our business to offer forward-thinking, digital-first solutions to meet consumers’ expectations and protect them when they need it most.

In Ontario, Quebec, Alberta, Nova Scotia, and Newfoundland, ridesharing and delivery with Uber are covered by the commercial auto insurance policy issued by Economical.

In New Brunswick and Prince Edward Island, Uber’s delivery operations are covered by the commercial policy issued by Economical.

You can access an electronic certificate of insurance through the Uber app. If you’re involved in an accident while you’re driving with Uber, you’ll need to refer to this electronic document.

The commercial insurance policy offered by Economical provides coverage from the moment you make yourself available to accept a request to the moment your passengers or deliveries exit your vehicle. With the exception of Quebec*, the commercial policy does not provide any optional coverages or endorsements, regardless of what’s included on your personal car insurance policy. However, in certain regions it does include Comprehensive and Collision coverage for physical damage to your vehicle if you already have this coverage on your personal insurance policy (subject to a $2,500 deductible)**. Uber’s commercial policy through Economical also includes Third Party Liability coverage and Standard Accident Benefits coverage.

*In Quebec, optional coverages purchased by participating drivers under their personal auto policy may be available under the Uber commercial policy subject to eligibility criteria.

**For Periods 2 & 3 in Alberta, Comprehensive and Collision coverage for physical damage to your vehicle are included in the policy, (subject to a $2,500 deductible), regardless of whether or not you have this coverage on your personal policy.

The commercial auto insurance policy issued by Economical provides you with coverage from the moment you make yourself available to accept a request to the moment your trip ends. Claims for incidents that occur during this time will be made against the Uber commercial policy*, not the driver’s separate personal policy. If you’re in a collision while participating in ridesharing or delivery with Uber, reference the Uber electronic certificate of insurance on the Uber app to confirm the correct policy number.

If an accident that occurred while you were participating in ridesharing or delivery with Uber is incorrectly charged to your personal policy, please contact your personal insurance broker or agent. If applicable, Economical will provide you with a letter to give to your personal car insurance company to let them know that the claim is being charged to the commercial policy.

Any driving infractions that occur while you are participating in ridesharing or delivery with Uber (e.g. speeding tickets) could potentially affect your personal car insurance policy.

*Claims for incidents that occur in Period 1 in Alberta, Nova Scotia, and Newfoundland (ridesharing only in NS and NF) should first be submitted to your personal insurance company. Please refer to the policy for more details.