I have done a fair bit of research on this topic after having been told by my insurance agent to STOP driving for UberEats.
Items I have determined regarding UberEats insurance coverage in Ontario, I believe correctly:
Items I have determined regarding UberEats insurance coverage in Ontario, I believe correctly:
- Uber's insurance policy does not cover UberEats. There is no mention of UberEats, and the policy explicitly says it covers Ride Sharing only i.e. a passenger must be in the car.
- Every insurance company my agent checked with would not cover UberEats, except one. That one company wanted $10,000 a year to provide coverage.
- Uber's Greenlight staff would not discuss this topic. The told me to read the policy and that they do not provide opinions of this nature. When asked if the policy applied to UberX, etc. they said yes, it did. You can draw your own conclusion as to whether UberEats is covered.
- My agent informed me that driving for any commercial purpose without informing and getting the approval of your insurance company would nullify any insurance you might require if you had an accident while driving for UberEats. They also told me that Insurance companies are much more aware of this issue than they have been in the past, and will now investigate, and should they find you have any relationship with Uber will request information as to what Uber activity you might have been involved with at the time of the accident.
- Being active for UberX, Uber XL, etc. and UberEats at the same time does not make the insurance coverage apply to UberEats.