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Do Uber Drivers Need Separate Insurance

Do Uber Drivers Need Separate Insurance

If you’re thinking about becoming an Uber driver, you might be wondering how insurance works and whether you’ll need to get additional coverage. While Uber does provide some coverage as part of their service, drivers will still need to get separate insurance as well. As a complex process, it’s always a good idea to speak with an insurance broker so they can help you get the necessary coverage to stay protected at all times. Read on to learn more about getting insurance as an Uber driver.

What Coverage Does Uber Provide?

As an official Uber driver, you’ll be provided with coverage any time you’re driving for their service. This coverage includes $2 million of liability coverage, along with contingent collision, comprehensive coverage and commercial coverage. However, these are only provided when a driver’s personal policy includes these as well. Even with this, you’ll still need to get separate coverage in addition to the insurance provided by Uber.

Additional Coverage 

By law, any driver in Canada is required to have auto insurance that includes comprehensive coverage and liability. If you plan on joining Uber as a side hustle or main hustle, your vehicle will essentially be deemed as a commercial vehicle any time you’re on the clock. During these hours, it’s important to have the appropriate protection in place in case something happens. If you get into an accident while driving for Uber, your personal insurance won’t cover you. This is why it’s important to discuss your plans with an insurance broker so they can advise you and ensure you have all your bases covered whenever you’re transporting customers.

Will My Premiums Go Up?

Not necessarily. As always, there are many factors that will influence your rates, such as age, your driving record, location and vehicle. It can also depend on who you’re insured with. It’s important to tell your insurance company if you plan on driving for Uber. In some cases, you might get coverage at no additional charge, but more importantly, it will cover you in case something does happen when you’re providing a driving service or using your vehicle for personal reasons.

To learn how you can get the proper coverage for your needs, contact us at Rowat Insurance today. We will make sure you have the right policies at the best possible rate so you can feel fully secure and covered if anything happens while you’re on or off the clock. Reach out to us today.

Rowat Insurance

Insuring Ontario and Quebec since 1955. Trust Rowat Insurance Brokers to look after your home, auto, business and life insurance needs. We always guarantee fast, friendly service and highly competitive premiums. As brokers, we are entirely independent from Insurers and Financial Institutions; we will work with you to analyze and advise on risk, and customize the coverage that is right for you.