# Insurance for Uber Drivers (Canada)

**Category:** [Uber](https://community.mycartracks.com/c/uber/21)
**Created:** 2026-05-13 17:56 UTC
**Views:** 9
**Replies:** 0
**URL:** https://community.mycartracks.com/t/insurance-for-uber-drivers-canada/390

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## Post #1 by @MyCarTracks_support

![Insurance for Uber drivers Canada records](upload://4vny9z07svY358atYzgGUMAPt3M.svg)

Insurance for Uber drivers Canada is not one simple policy. Uber says it maintains commercial auto insurance during rideshare activity, and Uber Help says Canadian drivers should use the current [ridesharing insurance page](https://www.uber.com/ca/en/drive/insurance/) and [insurance help page](https://help.uber.com/en/driving-and-delivering/article/insurance-coverage-for-drivers-and-delivery-people-in-canada?nodeId=38aff78a-85dd-49fa-9c46-ebc19ee6dcd0) for up-to-date policy details.

You still need your own personal auto insurance when the car is used for personal driving, and you should tell your insurer or broker that you plan to drive with Uber. Economical's [Uber commercial auto insurance page](https://www.economical.com/en/lp/uber-commercial-auto-insurance) says drivers are responsible for informing their broker or insurance provider about ridesharing or delivery activity.

## Quick answer: insurance for Uber drivers Canada

Before you accept trips, confirm:

- your personal auto policy is active and matches how you use the vehicle
- Uber has accepted your proof of insurance and vehicle documents
- your broker or insurer knows you drive rideshare
- you understand which coverage applies when the app is offline, online and waiting, accepted, en route, or carrying a passenger
- collision and comprehensive coverage are present on your personal policy if you want possible vehicle-damage coverage where the Uber-maintained policy is contingent on that coverage
- province-specific rules are checked through Uber, the insurer, or the public auto insurer
- accident, app-status, trip, claim, repair, and kilometre records are saved in one place

This is not a substitute for reading the certificate of insurance in the Driver app. Coverage can depend on province, app status, product type, vehicle type, policy wording, and the facts of the claim.

## Uber car insurance

Uber-maintained insurance is tied to platform activity. For standard rideshare driving, the practical periods are:

| Period | What is happening | What to verify |
| --- | --- | --- |
| Offline | You are not available in the Driver app | Your personal auto policy applies. |
| Online and available | You are waiting for a ride request | Coverage varies by province and policy; confirm the current certificate. |
| Request accepted / en route | You accepted a trip and are going to the rider | Uber-maintained commercial coverage usually applies, subject to policy terms. |
| Passenger in vehicle | You are transporting the rider until the trip ends | Uber-maintained commercial coverage usually applies, subject to policy terms. |

Do not assume the same coverage applies in every province. Uber, Economical, ICBC, SGI, and MPI use province-specific structures.

### Provincial insurance checks

Use this split when you check the province where you drive:

| Province or area | What to check |
| --- | --- |
| Ontario, Quebec, Alberta, Nova Scotia, New Brunswick, Newfoundland and Labrador, Prince Edward Island | Economical says it issues commercial auto insurance for drivers with Uber in these provinces when using the app. Read the province policy and certificate for limits, deductibles, and exclusions. |
| British Columbia | ICBC says a ride-hailing company must provide Basic insurance through a blanket certificate, and drivers should check optional blanket coverage and talk to an Autoplan broker. |
| Saskatchewan | SGI basic plate insurance continues, Uber pays an additional SGI premium for ridesharing activity from accepted ride through completion or cancellation, and an Uber-purchased policy adds liability above the basic amount. |
| Manitoba | MPI tells Passenger Vehicle for Hire operators to talk to an Autopac agent about Passenger Vehicle for Hire coverage and timebands. Uber delivery guidance also points Manitoba drivers to broker/MPI checks when platform activity exceeds personal-use allowances. |

This table is a starting point, not an insurance opinion. Use the Driver app certificate, the insurer page, and your broker or public insurer before relying on coverage.

## Coverage during rides

Accepted-trip coverage can include $2 million liability, uninsured or underinsured motorist protection, and loss or damage to the vehicle. Current Uber and insurer pages require more province-by-province care.

For example, Nova Scotia and Newfoundland and Labrador rideshare trips have $2 million third-party liability from accepted trip through conclusion. Vehicle loss or damage in those examples is subject to a $2,500 deductible and only applies if the vehicle is also insured for collision and comprehensive coverage on the personal auto policy.

Quebec is different in the accessible Uber insurance copy: it includes $1 million civil liability from logging on until logging off, plus contingent vehicle-damage coverage if the personal policy has the coverage.

Saskatchewan is different again. Uber says SGI basic plate insurance still applies during ridesharing activity, and Uber-purchased liability applies if damages exceed the $200,000 liability included with basic plate insurance.

## Coverage between trips

Between trips usually means you are online and available but have not accepted a request. This is the period most likely to be misunderstood.

In the Nova Scotia and Newfoundland and Labrador examples, coverage between trips provides $1 million third-party liability when applicable if your insurer denies coverage. Economical describes Period 1 as the time when you are logged into the Uber app and available for a request, while personal coverage may apply depending on the province and drivers should review the province policy.

For your own file, save a screenshot or PDF of the current certificate for the province where you drive. If the coverage depends on a personal-insurer denial, you do not want to discover that after a claim.

## Personal auto insurance

Uber approval is not the same as a personal insurance review. Uber requires proof of insurance if you use your own car, but your own insurer still needs accurate information about how the car is used.

The Financial Consumer Agency of Canada treats car insurance coverage, deductibles, optional coverage, premiums, and claim settlement as policy-specific. Tell your insurance company as soon as possible about changes that may affect its ability to cover you.

Ask your insurer or broker:

- whether rideshare use is allowed on your personal policy
- whether a rideshare, business-use, or transportation network endorsement is needed
- whether online-and-waiting time is covered by your policy, Uber's policy, or both
- whether your collision and comprehensive coverage carries through when Uber's policy is contingent on personal coverage
- whether deductibles, replacement cost, rental reimbursement, or loss-of-use coverage changes during rideshare work
- whether delivery, rental vehicles, borrowed vehicles, or fleet vehicles change the answer
- what document you should save as written confirmation

## Collision and comprehensive coverage

Liability coverage and damage to your own vehicle are not the same thing. Liability coverage addresses injury or damage to someone else. Collision and comprehensive coverage address damage to your own vehicle, subject to policy terms and deductibles.

Several Uber Canada examples say vehicle loss or damage coverage applies only if your personal auto policy also has collision and comprehensive coverage. FCAC's car-insurance guidance also separates liability, collision, comprehensive, optional coverage, deductibles, and claim settlement.

If the car is financed or leased, check the lender or lease insurance requirements too. A platform certificate does not replace the coverage your lender, leasing company, province, or personal policy requires.

## Uber Black, commercial vehicles, and rentals

Uber Black and Uber SUV drivers must be professional limousine drivers with a commercial licence and commercial insurance. Uber does not maintain insurance to cover those products because the drivers must maintain their own commercial insurance.

Rental vehicles also need a separate check. If you rent through Uber's public Vehicle Marketplace, vehicle offers can include insurance, but terms vary by city and partner. If you rent outside Uber's program, confirm the rental agreement, insurance, commercial-use permission, and Uber approval before accepting trips. The [Rent a Car for Uber or Lyft (Canada)](https://community.mycartracks.com/t/rent-a-car-for-uber-or-lyft-canada/376) guide covers that setup.

## Accident and claim records

If an accident happens, document the app period first. Save:

- app status: offline, online waiting, accepted, en route, passenger on trip, or trip complete
- trip ID, time, pickup/drop-off context, and province
- screenshots of the Driver app trip and insurance certificate where available
- photos of vehicles, plates, damage, road conditions, signs, and location
- police report number if there is one
- Uber support or crash report confirmation
- personal insurer claim number and adjuster messages
- commercial insurer claim number if provided
- repair estimate, deductible, towing, rental, downtime, and settlement records
- kilometre log and route notes for the shift

Keep the claim file separate from your tax file, but let the records talk to each other. The same timeline often helps explain insurance status, business-use kilometres, repair trips, and lost driving time.

## Health benefits and private health insurance

Car insurance does not solve every driver risk. Canada has provincial and territorial public health insurance, but provinces and territories decide eligibility and covered services. Many services, such as dental care, vision care, prescription drugs, ambulance services, home care, and other additional benefits, may be covered only for certain groups or paid privately.

FCAC's [health insurance guidance](https://www.canada.ca/en/financial-consumer-agency/services/insurance/health.html) says personal health insurance may help cover services not covered by a provincial or territorial plan, such as prescription drugs, dental care, vision care, special nursing services, travel medical costs, or income support after serious illness or injury.

### Health insurance costs

Do not rely on one generic monthly premium range. Premiums and eligibility can change by province, age, health history, coverage level, deductible, waiting period, family status, and provider.

Before buying a plan, compare:

- prescription drug, dental, vision, physiotherapy, counselling, travel, and disability coverage
- annual maximums and per-visit maximums
- waiting periods and exclusions
- pre-existing condition rules
- whether the plan coordinates with a spouse, partner, employer, alumni, union, or association plan
- deductible, co-insurance, and reimbursement percentage
- online claims process and direct billing
- cancellation rules and premium increases

## Private health insurance providers to compare

Other Canadian health-insurance provider examples include Blue Cross, CAA, Canada Life, Costco/Manulife, Desjardins, GMS, GreenShield, Manulife, and Sun Life. Treat those as examples of providers or affinity programs to compare, not as recommendations.

Use the FCAC checklist first. Then get current quotes directly from licensed insurers, brokers, alumni plans, professional associations, auto associations, or employer/family group plans. Plan names, included benefits, regional availability, dental limits, travel coverage, mental-health coverage, and application rules can change quickly.

Provider examples to compare include:

- [Blue Cross](https://www.bluecross.ca/personal-benefits/) for prescription, dental, paramedical, mental-health, travel, life, and critical-illness options, with plan details varying by region
- [CAA](https://www.caa.ca/) affinity options through Manulife, including prescription and dental plan combinations where available
- [Canada Life](https://www.canadalife.com/) for health, dental, prescription, vision, and paramedical options, with travel medical coverage depending on the plan or add-on
- [Costco Health & Dental Insurance through Manulife](https://www.manulife-insurance.ca/costco/health-insurance/costco-health-plan.html), if you are a Costco member and the plan fits your pharmacy, optical, hearing, travel, or virtual-care needs
- [Desjardins](https://www.desjardins.com/en/insurance/health-dental.html) for health and dental options, with quote and application steps that may involve an agent
- [GMS](https://gms.ca/) for basic, extended, and customizable health-plan options, including online claims where available
- [GreenShield](https://www.greenshield.ca/en-ca) for health and dental packages, including mental-health and paramedical features that depend on the plan
- [Manulife](https://www.manulife.ca/personal/insurance/our-products/health-insurance.html) for personal health-insurance plans, online claims, and optional life, travel, or mortgage-protection products
- [Sun Life](https://www.sunlife.ca/en/health/) for health, critical illness, long-term care, and disability options, with online or advisor quote paths

Compare the current contract wording before buying. A low premium can still be a poor fit if the deductible, waiting period, dental maximum, mental-health limit, travel exclusion, pre-existing condition rule, or claim process does not match how you actually use coverage.

## Records to keep

Keep an annual insurance folder with:

- personal auto policy declarations page
- broker or insurer written confirmation about rideshare use
- Uber certificate of insurance for the province where you drive
- vehicle registration, inspection, and proof-of-insurance uploads
- app screenshots after any insurance or document update
- health, disability, dental, or travel policy documents if you buy private coverage
- premium receipts and deductible records
- claim numbers, repair invoices, towing bills, and rental receipts
- kilometre logs, shift notes, inspection trips, repair trips, and incident routes

[MyCarTracks automatic mileage tracking](https://www.mycartracks.com/products/automatic-mileage-tracking) can help keep the route and kilometre side of the insurance file organized. Tag Uber driving separately from personal driving, add notes for inspections or claims, and export reports if you need to explain business use or a claim timeline.

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## FAQ

### Do I still need personal auto insurance to drive Uber in Canada?

Yes. Uber requires proof of insurance if you use your own car, and Uber-maintained coverage does not replace personal coverage when you are using the vehicle personally. Tell your insurer or broker about rideshare use and save the written answer.

### Does Uber insurance cover damage to my car?

It can depend on province, app status, policy terms, deductible, and whether your personal policy has collision and comprehensive coverage. In several Uber Canada examples, vehicle loss or damage coverage is contingent on having that coverage on your personal auto policy.

### Am I covered while waiting for a ride request?

Do not assume. Online-and-available coverage varies by province and policy. Uber and Economical describe Period 1 separately from accepted-trip periods, and some examples depend on whether your personal insurer denies coverage.

### Do I need commercial insurance for Uber Black?

Yes. Uber Black and Uber SUV drivers must have a commercial licence and commercial insurance, and Uber does not maintain insurance for those products.

### Should I buy private health insurance as an Uber driver?

Maybe. Public health insurance covers medically necessary services, but not every prescription, dental, vision, disability, travel, or paramedical cost. Use FCAC's health-insurance guidance and compare current licensed plans before buying.

## What to read next

- [Uber Driver and Vehicle Requirements (Canada)](https://community.mycartracks.com/t/uber-driver-and-vehicle-requirements-canada/388)
- [Rent a Car for Uber or Lyft (Canada)](https://community.mycartracks.com/t/rent-a-car-for-uber-or-lyft-canada/376)
- [Uber Driver Taxes (Canada)](https://community.mycartracks.com/t/uber-driver-taxes-canada/389)
- [CRA Mileage Log Requirements (Canada)](https://community.mycartracks.com/t/cra-mileage-log-requirements-canada/354)
- [Uber Insurance Requirements](https://community.mycartracks.com/t/uber-insurance-requirements/216)

## Sources

- [Uber Canada rideshare insurance](https://www.uber.com/ca/en/drive/insurance/)
- [Uber Help: insurance coverage in Canada](https://help.uber.com/en/driving-and-delivering/article/insurance-coverage-for-drivers-and-delivery-people-in-canada?nodeId=38aff78a-85dd-49fa-9c46-ebc19ee6dcd0)
- [Economical: Uber ridesharing and delivery coverage](https://www.economical.com/en/lp/uber-commercial-auto-insurance)
- [Uber Canada driver requirements](https://www.uber.com/ca/en/drive/requirements/)
- [ICBC ride-hailing insurance and licensing](https://www.icbc.com/insurance/commercial/ride-hailing)
- [MPI Passenger Vehicle for Hire coverage](https://www.mpi.mb.ca/passenger-vehicle-for-hire-coverage/)
- [MPI vehicle use and insurance rates](https://www.mpi.mb.ca/vehicle-use-determining-your-rates/)
- [SGI Transportation Network Company application](https://sgi.sk.ca/documents/37148/138373/Transportation%2BNetwork%2BCompany%2BApplication%2BRideshare%2Bform.pdf/09e2486a-950c-4641-bd4e-fb9be313add5)
- [FCAC car insurance guidance](https://www.canada.ca/en/financial-consumer-agency/services/insurance/car.html)
- [FCAC getting an insurance policy](https://www.canada.ca/en/financial-consumer-agency/services/insurance/get-insurance.html)
- [Health Canada: Canada's health care system](https://www.canada.ca/en/health-canada/services/canada-health-care-system.html)
- [FCAC health insurance guidance](https://www.canada.ca/en/financial-consumer-agency/services/insurance/health.html)

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