Are you thinking of using an app like Uber or Eva to offer your services as a driver? Here’s what you need to know about your automobile insurance coverage and what to do in case of an accident.
The company offering remunerated passenger transportation services via the mobile app must hold automobile insurance (pdf - 130 KB)This link will open in a new windowUpdated on 21 October 2020 covering you. Note: If you own an automobile, the law also requires you to have automobile insurance.
Do you have to inform your insurer?
Yes. You must inform your automobile insurer that you plan to offer your services as a driver. This information is important as it helps your insurer assess risk. If you withhold the information, you may have problems when making a claim.
Who covers you in the event of an accident?
Your automobile insurance covers you when you use your vehicle for personal purposes. However, the moment you open an app to make yourself available as a driver, you become covered by the insurance of the company that manages the app. As soon as you close the app, you revert back to your own automobile insurance.
Who should you contact in the event of a loss?
For accidents, glass breakage, theft, vandalism or any other type of lossIn the field of insurance, a loss is damage sustained following an unfavourable event, such as death, illness, fire, accident, etc., the procedure is the same:
- If the loss occurs while you’re not logged into the app in order to offer your services, contact your personal insurer as soon as possible.
- If the loss occurs while the application is open, contact the company managing the app. Its insurer will settle the claim.
In the event of an accident, take these steps to minimize problems.
What are you covered for?
Your coverage is the same whether or not you’re logged into the app in order to offer your services as a driver.
If you have replacement cost coverageFor automobile or home insurance, replacement cost is the amount needed to replace a damaged item with a new item.
If an insurance contract includes replacement cost coverage, the insured will receive a new item, or a cash amount equivalent to a new item, if an item has been irreparably damaged following a covered loss. on your personal automobile insurance, then you will also benefit from it under the insurance of the company managing the app.
If the damage caused to your vehicle is not covered by your personal automobile insurance, then it won’t be covered by the insurance of the company managing the app.
Your deductibles (the amounts of money you are required to assume in the event of a loss) also remain the same at all times.
Questions or dissatisfaction?End of the Information
Documentation and tools
Q.E.F. No 48 – Remunerated passenger transportation by automobile (pdf - 141 KB)This link will open in a new windowIn forceRemunerated passenger transportation by automobile