Is Uber's Driver Insurance coverage claims a Hoax?

  • by NEXUS
  • Mar 06,2017
  • 6 answers

Uber here in Toronto claims that all its drivers are covered by 2 million dollar ride sharing insurance from Intact Insurance. The detail of the policy is on their app. We are suppose to be covered as long as we are online on the app.
However, many people told me that the police would not accept this insurance. As there is no original print out. It's just an App claim. If we are in an accident, we are screwed. Out own insurance company will be at odds as we don't have commercial insurance.
Is uber's insurance claim legitimate?


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Insurance Answers (6)

Skoda John last month

Yiu need your own taxi insurance.

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Casey Y last month

You still have your personal policy on the vehicle, correct. Your coverage may be transferred to the Ride Sharing company while working for them, but your personal policy would still be what you use if pulled over and asked for proof.
If you get into an accident, this will all shake out in the long run.

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efflandt last month

That is not a substitute for any insurance required as owner of a vehicle (or by your lender). It only applies while actively working for Uber at the time. So it is not "proof of insurance" if you get pulled over or have an accident. And don't lie to your insurance company if driving to make money.

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Evan H last month

That protects you as a commercial driver while you are driving someone somewhere. You still need regular auto insurance

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car253 last month

You have to have you own auto insurance in additional t the Urber insurance.

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zigzigfan last month

It's a gray area.

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