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Everything you need to know about ride sharing.

Take advantage of this increasingly popular stream of income, with the right policy in place to protect you, your passengers, and your vehicle. Duliban Insurance Brokers is your trusted Uber insurance broker in Ontario.
Ride Sharing & Uber Insurance

Go further with the right coverage.

Discover specialized ride-sharing insurance options in Ontario, expertly tailored by our insurance brokers to meet the unique needs of drivers in the gig economy. With our personalized coverage, you can enjoy peace of mind while navigating the roads as a ride-sharing driver.

Will I be covered?

Did you know that ride sharing will affect your insurance?

Your personal auto insurance will be impacted with any ride sharing activities, making it essential that you inform your insurer about these activities as soon as possible. Traditional auto insurance policies for personal use are unlikely to cover the breadth of accidents which might occur while ride sharing, making additional coverage often necessary.

Did you know that ride sharing will affect your insurance?
Car insurance in Ontario

Coverages

Get to know what’s covered with your auto insurance in Ontario.

Personal Auto Insurance

Personal Auto Insurance

This is required for all drivers in Ontario, and covers personal use of your vehicle (such as commuting or driving.

Ride Sharing Insurance

Ride Sharing Insurance

This represents additional coverage that bridges the gap between personal use and commercial use of your vehicle while driving for ride-sharing programs. It also ensures that you have coverage during the periods when you are logged onto the ride-sharing app but haven’t yet accepted a ride request.

What is included

Driving for Uber or Lyft? Here's what you can count on.

With this coverage, keep in mind that the extent of coverage can vary depending on the specific driving situation:

Period 1

Period 1: When you’re logged into the app but haven’t accepted a ride request, both companies typically provide third-party liability coverage.

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Period 2

Period 2: Once you accept a ride request, Uber and Lyft typically offer higher liability coverage and contingent collision and comprehensive coverage for your vehicle.

Line
Period 3

Period 3: While you have a passenger in the car, the companies generally provide the highest coverage levels, including coverage for your vehicle.

Optional & Special Coverages

Drivers can consider these optional Uber car insurance to enhance their protection.
Increased Liability Limits

Increased Liability Limits

Raises the liability coverage limits for added protection.

Rental car coverage

Rental Car Coverage

Provides reimbursement for rental cars while your vehicle is being repaired after an accident.

Accident forgiveness

Accident Forgiveness

Protects against premium increases after an at-fault accident.

Ride-Sharing Endorsements

Ride-Sharing Endorsements

Additional coverage to address the unique risks associated with ride-sharing.

Ride-Sharing Gap Coverage

Ride-Sharing Gap Coverage

Covers you during the period between accepting a ride request and picking up the passenger.

Uber Insurance in Ontario

The rise of ridesharing services like Uber has revolutionized transportation across Ontario. With thousands of drivers offering rides across the province, ensuring that you have the right insurance coverage is crucial. Uber insurance in Ontario is designed to protect drivers, passengers, and third parties in the event of an accident. But, what exactly does this insurance entail, and why is it necessary?

Understanding Uber Insurance in Ontario

Uber insurance refers to the specialized coverage required for those who drive for ridesharing services like Uber. Unlike standard auto insurance, Uber car insurance provides coverage that specifically addresses the risks associated with transporting passengers for a fee.

As an Uber driver, relying solely on your personal auto insurance policy is not enough. In fact, most standard auto insurance policies do not cover commercial activities, which include ridesharing. This means that if you’re driving for Uber without the appropriate coverage, you may not be protected in the event of an accident.

This is where ridesharing insurance comes into play. Uber car insurance in Ontario is designed to fill the gaps left by personal auto insurance, ensuring that you, your passengers, and others on the road are adequately covered at all times.

Types of Uber Car Insurance in Ontario

Ridesharing insurance is not one-size-fits-all. Here are the key types of coverage you should be aware of:
  • Basic ridesharing insurance is provided by Uber. Uber offers a base level of insurance that includes third-party liability, accident benefits, and uninsured motorist protection. This is automatically in place when you’re logged into the app and engaged in ridesharing activities.
  • Additional coverage options. Many Uber drivers opt to purchase additional Uber car insurance in Ontario to ensure they have comprehensive protection. This can include coverage for physical damage to your vehicle (collision and comprehensive), as well as increased liability limits. These policies are typically purchased through an Uber insurance broker.
  • Comprehensive coverage. This covers a wide range of risks, including damage to your vehicle, theft, fire, and other perils. It’s highly recommended for drivers who want to minimize their out-of-pocket expenses in case of an accident or other incidents.

Getting an Uber Insurance Quote

When it comes to getting an Uber insurance quote, several factors can influence the cost of your coverage:
  • Driving experience and record. Your insurance premium is greatly influenced by your driving history. A clean record will generally result in a lower quote.
  • Vehicle type and usage. The make, model, and age of your vehicle, as well as how frequently you drive for Uber can impact your insurance costs.
  • Coverage level. The more extensive your coverage, the higher your premium will be. However, it’s important to weigh the cost against the protection you receive.
To find the best rates, it’s advisable to work with an Uber insurance broker. Our company specializes in travel insurance and can help you navigate through the various options to find a policy that meets your needs and budget.

Why Choose Duliban Insurance Brokers?

At Duliban Insurance Brokers, we understand the unique needs of Uber drivers. As a trusted Uber insurance broker in Ontario, we offer customized insurance solutions designed to provide the best possible coverage at competitive rates.

Tailored Coverage

We work with you to understand your specific needs and recommend policies that provide the right balance of protection and affordability.

Expertise in Ridesharing Insurance

Our team is well-versed in the intricacies of Uber car insurance in Ontario. We stay up-to-date with industry changes to ensure you’re always covered.

Competitive Quotes

We partner with multiple insurance providers to bring you the best Uber insurance quote available. Our goal is to help you save money without compromising on coverage.

Competitive Rates

One of the key benefits of choosing Duliban Insurance Brokers is our ability to secure competitive rates for our clients. Our brokers are skilled negotiators who work diligently to find the best possible premiums. We strive to provide you with the most cost-effective insurance solutions without compromising on the quality of coverage.

Customer Support

At Duliban Insurance Brokers, we pride ourselves on providing exceptional customer service. Whether you have questions about your policy or need assistance with a claim, we’re here to help.

Contact Us Today

Uber insurance in Ontario is not just a legal requirement; it’s a vital safeguard for your financial well-being. By working with a knowledgeable Uber insurance broker like Duliban Insurance Brokers, you can secure a policy that offers comprehensive protection at a price that fits your budget. Don’t wait – get your customized Uber insurance quote today and drive with confidence.

Frequently Asked Questions

We have collected the most relevant questions and answers about Uber insurance in Ontario for you.
Why do I need Uber car insurance?
If you drive for Uber or other ridesharing services, standard auto insurance policies may not fully cover you while you are on the job. Uber car insurance ensures that you are adequately protected while driving passengers or waiting for ride requests, covering both you and your passengers in the event of an accident.
Do I need additional insurance to drive for Uber or Lyft in Ontario?
Yes, you typically need specialized ride-sharing insurance to ensure you’re adequately covered during ride-sharing activities.
What is ridesharing insurance?
Ridesharing insurance is a type of coverage that bridges the gap between personal auto insurance and commercial insurance provided by ridesharing companies like Uber. This type of insurance typically covers the period when the app is on, but you have not yet accepted a ride, ensuring continuous coverage.
Will my personal auto policy cover me while I’m driving for Uber or Lyft?
Generally, personal auto insurance policies do not cover ride-sharing activities, so additional coverage is necessary.
What should I do if I’m involved in an accident while driving for Uber or Lyft?
Report the accident to the ride-sharing company, and follow their procedures. Inform your insurer as well to ensure a smooth claims process.
Can I drive for multiple ride-sharing companies with the same insurance coverage?
Some insurers may allow coverage for multiple ride-sharing platforms, but it’s essential to confirm this with your insurer.
How does Uber car insurance work in Ontario?
Uber car insurance in Ontario is a hybrid coverage that combines personal auto insurance with ridesharing coverage. It ensures that you are covered during all phases of your ridesharing activities, including when you are waiting for a ride request, on your way to pick up passengers, and during the ride itself.
How do I get Uber insurance in Ontario from a Duliban Insurance broker?
Duliban Insurance Brokers can help with Uber insurance in Ontario. Call us at +1 855-385-4226.

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I enjoyed meeting with you I felt very comfortable and I wasn't nervous. You were very helpful.
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I have filled out quote for car insurance and next day Alex were contacted me. She found the best option for me in a compliance with my requirements. She get paperwork done very fast so next day I have signed them. Also Alex offered me help with cancellation mine current policy so everything run smooth and fast. I’m so thankful to Alex for her patient and professionalism.
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Amy at Duliban Insurance Brokers was very helpful and I highly recommend people to reach out to her for a quote before paying their renewal. You will be amazed at what they can do for you. Thank you
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In Oct'24, I engaged Amy Brown at Duliban Insurance Brokers to seek insurance renewal for my house in Niagara Falls, ON and she provided a prompt and excellent service, and I finalized the insurance with Intact at a much competitive rate than my current insurance broker and insurance company in Toronto.The online portal of Duliban Insurance Brokers makes it easy to manage the Policy.
After purchasing our old insurance company of 30 years, there’s always a concern about continuation of a service level. Our new contact at Duliban, Tia, helped me while buying my new car and responded quickly to my questions and requests and sent the paperwork electronically so that I could pick up the vehicle early. She was very accommodating and friendly to deal with.
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After doing a search online for better insurance rates, Amy Brown was quick to contact me and within two days I had a new policy all lined up. Answered all my questioned professionally and made me feel quite at ease dealing with her. I was totally happy with my new rates. Wishing you and your company all the best for the future.
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I had the pleasure of speaking with Austin and he was so kind and so helpful. He made everything so easy for me. I appreciate all your help Austin.
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My daughter recommended Duliban insurance brokers to me as I was looking for home and auto coverage, Hilary Phelps from Duliban was very helpful and professional, would definitely recommend to friends and family.Thank you Hilary
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I would recommend Duliban insurance to everyone I know…. and I do!! The savings are incredible. Big thanks to Tia B for helping me get my new car insured at a great rate, you were very friendly and helpful.Keep up the good work Duliban and thanks again.
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I came in contact with Todd Minor when I contacted this insurance company, he was very patient, kind, and attentive. He found me the best deal possible which was a lot cheaper compared to other quotes I got from other companies. I would 100% recommend if you are looking for an insurance company!
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Received excellent service from Amy Brown in setting up auto insurance - thank you!
A friend referred Duliban to me when I was looking for auto insurance. I had a wonderful experience working with Bryana…she was so pleasant and knowledgeable during our interaction. From the moment I called, I was greeted with happy sounding people…people who obviously enjoy their role with customer service. Thank you again and I will highly recommend your services.
I'm taking my time to appreciate Michelle Graham she's amazing very professional over all an amazing person thank you for making my experience easy and super fast I hope you have an amazing day
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Shopping for insurance is never fun but Amy made it so simple and was a tremendous help. Can’t thank you enough Amy!
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My wife Janet Stewart lost her son due to sudden death, the last 7 weeks have been very stressful. This company would not cancel his insurance and keep sending over due letters Maybe try having some compassion not just (that's the way we do it). After my reviewAdam Duliban did respond to my wife and went above and beyond to help her in this situation to solve this very delicate situation she was going through. It is good to see that someone really cares about the client Lesson learned
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Very helpful..got my documents emailed immediately. Thank you
The people that work in this office in Beamsville are incredible. They helped us navigate a claim and were kind and compassionate while we were distressed. Sheri you are awesome!!
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Best insurance brokers around made it super simple and easy. Had the pleasure of dealing with June and she made the experience simple and smooth.
Hello Friends and fellow insurance seekers. I am here to tell you that you will be making THE choice that you are looking for in an insurance company. As a new customer with DULIBAN, I have the pleasure of understanding all I need to know about how to be safe on the road, with Duliban’s wonderful agent JUNE SABO. She helped me with all my questions before I even needed to ask them And More! June is the type of person who lets you feel you have made the right choice and know you joined a friendly family who cares about their customers. Very fair rates. Easy conversation. And always there when you need help. Thank you JUNE, and all the team at Duliban for getting me out on the road safely. Brad Beachin, St. Catharine’s, Ontario, Canada.
Maria was professional and knows her stuff.I am completely satisfied and would recommend her to my friends and relatives.But I think you need to change your phone answering system as well as the VOIP . Not up to Industry Standards.
Worked with Duliban to get the best and most affordable home insurance policy. Amy was great to work with and made it a quick and easy process to lock in our new home insurance!
I and my wife have been clients of Todd Minor for more than 15 years. We now have Maria Alvarez filling Todd's shoes We wanted to say that although we miss Todd Maria has done an excellent job in looking after both our auto and home insurance needs. Thank you for going the extra mile for us Maria
Very easy to work with
I had a good experienceThanks for your helpHenry
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Jane Hanna was absolutely accommodating and so very helpful. What would have taken me forever, took her mere minutes and I'm so appreciative of her time and pleasant demeanor. Thanks, Jane. You're wonderful
Jane was able to help me to the best of her abilities and set me up with an insurance plan later this year which will give me more savings.
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Hilary made getting affordable car insurance quick and easy, I would highly recommend her to anyone in the market for any insurance.
Very pleased with the service ,and also getting everything done promptly. Very satisfied .CheersDan Kring
Great service! Andrew is extremely helpful!Thanks team.
June was very thorough. Spent a lot of time with me going over different options of different policies and did not rush through any of it at all. We are incredibly happy with the customer service and the rates that we were given.Thanks June!
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Jane Hanna Was super helpful, was stressed out and she addressed and fixed my issue
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I thank Maria A. for all her time reviewing our policy and finding the best possible rates for us. She was a pleasure to work with.
Really helpful and insightful when obtaining insurance
I did a sibstitution of vehicle through the Dunnville office with Jane.Jane did a fabulous job, doing everything efficiently and correctly.Jane sent the required confirmations to my dealer right away. They were very satisfied with the information.Great job Jane! Many thanks, Perry
Warren, my Duliban Insurance representative, was extremely helpful, thoughtful and diligent. Thoroughly making sure I was happy with insurance that totally fits my needs. Thanks so much!
Amy Brown was a big help in myself making decision to switch to Duliban Ins. Brokers....
I will give positive feedback on the competitive rates that were provided by this insurance brokerage, however, I've never had such poor quality customer service and the only reason I have renewed with them this year is because I didn't have enough time to quote with anyone else. I won't be in this position next year.I just received a call from Jason (business owner), we had a very constructive conversation and I feel satisfied that business will run more smoothly moving forward. I sincerely appreciate his time and attention to the matter.
June Sabo, at Duliban Insurance Brokers, handled my house insurance flawlessly. She asked all the right questions and was well versed in the intricacies of insuring an older home. It's so important to have the proper coverage and June quickly and effectively fulfilled all of my insurance requirements. Plus, she was lovely and friendly.
Very prompt service. Pleasant to talk to. Looking forward to dealing with Duliban Insurance.
My many years with Todd Minor and company (Duliban Insurance Brokers) have been nothing but excellent. I have always felt supported in any request. Any situation or question has always been handled effectively and dealt with as a good question. I have always received information that was important to know but I may not have asked about it. They value you as a customer and share their expertise so that you can make the best possible choice.This company and it's people that make it work are highly recommended. It is a healthy and balanced blend of personal contact and electronic access.
Went online for a quote Duliban was over $700 cheaper!!
June took the time to review my current policy. She provided me with an upfront and honest assessment of my insurance needs. Highly recommend setting up an appointment for a review of your insurance needs. 👍
Thanks to Amy Brown for arranging our insurance needs in a timely and professional manner.
My Dad is insured with Duliban and was having trouble with a claim through CAA Sheri in their claims department was able to assist me in re-opening his claim and hopefully we will now get thigs resolved. I am grateful to her for her fast and supportive communication and customer service skills.
Great company and agent. I set up a phone appointment and they called me at the time I wanted. Very friendly and nice to talk to. I had my policy with no issues in a timely fashion. Definitely will get quotes on my other vehicles when my other policy comes due. I am going to let family and friends know as to my experience with you and the money I saved. Which I saved alot. Thank you for making the transition fast and easy
Hilary was great thanks!
Hilary exceeded my expectations when looking for new insurance, The wonderful customer, service and assistance received is what made me decide to go with this company. Thank you Hilary for making this a smooth transition
Super helpful, fast, and efficient. Good rates as well.
Very professional. Prompt response. Would recommend. FYI the person I dealt with was June
I have had a experience working with Adam and Sanden from Duliban insurance. Very responsive and accommodating for my business insurance needs. Would recommend them to any business!
Hilary was fast and professional with my quote.
My experience with Duliban was exceptional, June was very friendly, she got me the insurance I needed quickly and efficiently!
Very friendly efficient service provided by Hilary Phelps. Highly recommended!
It was incredibly easy to switch over my car insurance. Troy was awesome to talk to and set things up.
Great service from Troy, straight to the point and set up without delay.
June Sabo was a delight to work with. She understood what our needs are and she was knowledgeable and professional. Highly recommend her.
Best experience I every had with an insurance company. Amy is the most efficient and professional agent I every came across. I could not recommend more. Reach out and you will not be disappointed! Big thank you!!!
They have always been very helpful. Provide a good service.
We recently switched our home and auto insurance and are very happy with our decision. Eric Didemeus was instrumental in helping us make the move.
Duliban Insurance has served my insurance needs very well. I like the family type atmosphere that they have. Most insurance brokers treat you like a number with poor customer service. I have recommended them to friends and family.
Troy Blackledge from Duliban was very helpful with finding the best car insurance rates for me. I am also very impressed by his fast and detailed replies.
Always professional knowledgeable and welcoming with any of business or personal insurance needs
Excellent pricing, great thorough explanationsYou won't be disappointed.
An insurance broker is an insurance broker but what makes Duliban stand out is their customer service!! Tammy Lemire really drove it home for me and saved me alot more than a few bucks. Great experience and definitely recommend calling them!
Duliban is amazing but mostly because of their people. If you want a rockstar agent, Tammy Lemire is the one! She is knowledgeable, transparent, has amazing follow up and communication. I could go a year without speaking to her and send an email and it was like she had just spoken to me yesterday. Very professional. I’m treated more like family than a customer. Thanks Tammy!
Jane and Tammy were very helpful and did a fantastic job assisting me
I would like to thank Warren for going above and beyond in securing my home insurance. Warren worked tirelessly to meet my deadline. I am happy to recommend Duliban.
Always prompt service, have been withthese guys 50 years.
Top notch Insurance brokers that went the extra mile. My Insurance company left me hanging for many days after my accident and let's just say there approach was reflecting their very very poor service. Duliban professionally directed me and did what ever it took to make things right. If it wasn't' for Duliban not forgetting about the most important person, that is the customer, my insurance company would have lost one. They could learn a lot from Duliban on how to look after a customer and show them that you care. A special Thankyou to their Senior Customer Service Professional "Tammy".Drive Safe!
Nice and professional people.
Ask for Amy she is the best and easy to work with!!!100% Recommend
amy brown is too helpful and she provided me best and cheaper deal
Mike was very responsive, friendly, professional, and easy to work with. Got a quote within minutes and was so pleased with the service, we moved both our auto and home insurance over.
I was looking for insurance quotes on The Lowest Rates website and was directed to Duliban Insurance.I talked to Amy Brown and received great profesional service and good rates also.
I appreciated Amy's quick response and friendly helpful attitude when we inquired about property insurance. She was able to give us what we needed the same day that we called!
We recently purchased a house and required house insurance. Holly went above and beyond in answering our questions and researching the best rate for us! She was readily available and her response time was rapid and made the experience very stress free.
I just received my car insurance quote from my long-time insurance provider for the two vehicles that we own. I was surprised at the huge increase in my rate. I went on line to find a cheaper rate and through Duliban was able to save about $600 on my annual rate.
Mike did a great job got my insurance at a good rate and when i needed it.
Great service and price
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