Read up on a thread I started on this very subject back in April -> https://uberpeople.net/threads/what...river-to-do-how-to-get-uber-canada-to-admit-their-insurance-doesnt-exist.18433/

djino

 

great work !!!! read it

 

But as of now, there is no protection for Drivers. Uber's Insurance covers only the passenger, and other property/cars you hit. The driver and the driver's car goes uninsured when driving for Uber. Its been this way since Day 1 of Uber being in Canada.

Having said that, News this week mentions that Intact will soon be providing Rideshare coverage.

djino

 

Is that means we have to switch for Intact and pay the fines for leaving early?

 

The new Intact insurance sounds appealing, but where do you read that "Uber's Insurance covers only the passenger, and other property/cars you hit"

If this is accurate it might be enough for me to begin, knowing that I am not liable for all perils

The agreement I agreed to states that I am solely responsible for insurance.

 

Uber's insurance does not protect you as a driver nor does your personal insurance. Uber will activate you as long as you show proof you have personal insurance (even if it doesn't cover Uber).

djino
"Uber on!"

 

Technically Uber's insurance in Canada is basic fleet insurance which doesnt cover anything Uber related. Its the same insurance car rental companies or companies that have employee driven company trucks have (phone companies, power companies etc). Pretty useless stuff. No wonder they didnt want it out.

 

Uber's insurance is business liability insurance. It only covers them if they are sued, and that is why they want to deal with the pax immediately and make them happy. As for you, tough beans - you're screwed as your insurer will say you never declared being an uber driver and deny all claims. That's why I waited until Aviva came out with a policy. Not interested in losing my house.

 

What ever happened to Internet forum etiquette. Read the topics first, use the search function, then if still no answer to your question start a new topic.

This topic has been beat to death and back again only to be beaten to death again.

 

Yeah, from what I see here, a lot of people just don't care about it. That's why we have like a gazillion of new topics on insurance, where it should have been one, two at most.

 

Topic one... No insurance for uber Canada drivers.

Topic two... Intact and uber partner up to create ride share insurance

Done and organized.

 

here is my question:

(just playing devil's advocate)

Aren't we all breaking the law by driving our vehicles without insurance?

 

Technically... not.

If your vehicle was licensed as a commercial vehicle (black plate, cab plate, under a CVOR, etc.), then you would require a commercial insurance policy as per the law. However, the average UberX vehicle is not licensed in this fashion... it's licensed under your standard personal plate, which only requires a personal insurance policy.

Of course, that personal insurance policy may not be worth the paper it's printed on because you're violating the terms of it (operating vehicle "for hire" / driving for compensation), and an insurance company can cancel your policy and deny your claim; but technically, you are insured until the insurance company says that you're not.

That being said, you are breaking the law by picking up passengers to transport them for compensation.

 

Here's how I understand Uber insurance:

App turned off - 100% covered by personal insurance.
App turned on but waiting for Ping or driving to Ping's location - Not covered by either Personal nor Uber's Insurance. It's a grey area. Uber won't pay for it, because the ride hasn't begun and they sure as hell aren't paying insurance just for driving with the app on - it could be abused by people who drive without insurance but have no intention of picking up passengers.
Ping gets in the car - covered by Uber's Insurance. However, Uber's "Insurance" isn't really Insurance. It's an end user agreement policy. But it's not legally binding insurance as it does not fit under any of Ontario's approved insurance policies - neither personal nor commercial. That being said, Uber has generally been good at paying out. They expect you to use your own insurance to cover the time your App has been turned on. While technically, insurance fraud, there's really no way to prove it.

Don't shoot me as I gladly admit I'm not 100% sure.

 

Has there been any public knowledge of what Uber's insurance actually entails, beyond the fact that they have resolved most situations to date?

 

The sad truth is that we are committing insurance fraud to gain less than minimum wage.

I know my problem is addiction; I like driving and having people in my car (most of the times anyways) I met interesting people and learned a lot

 

So are we suppose to call our insurance company and ask do you offer P2P ride sharing insurance coverage as we are driving uber???
This is for sure insurance companies in canada do not offer such insurance at this moment. On the other hand not telling them is another serious issue , i am confused what to do.
Why not we all drivers from toronto visit Uber Toronto or Mississauga office all together and take up this issue with them ?

 

If you call your insurance company and tell them you are driving Uber they will probably cancel your personal insurance. If you contact Uber, they will give you the same song and dance..give you a form letter to tell you that Uber rides are covered with 5 million dollars of Insurance. However, Insurance companies don't really care about this, since it's not a legally binding Insurance in Ontario. It's basically just good business by Uber, but that's it.

You have the following choice right now. You can stop doing Uber and wait until January, when supposedly new regulations will be in play and probably some hybrid ridesharing Insurance would be developed. But you will need to invest. The licensing will have a fee and your Insurance will go up. Or you can drive Uber now and basically chance getting a ticket and chance not getting into a serious accident. That's about all you can do.

 

So are we suppose to call our insurance company and ask do you offer P2P ride sharing insurance coverage as we are driving uber???

This is for sure insurance companies in Canada do not offer such insurance at this moment. On the other hand not telling them is another serious issue , I am confused what to do.

Why not we all drivers from Toronto visit Uber Toronto or Mississauga office all together and take up this issue with them ?

I sent an e-mail to Uber some time ago asking about the Tawfiqul Alam case and insurance. I did not get a reply. I may go down to one of the offices and ask my questions in person.

It won't matter if you go to the meetings and ask. They always tell you to contact them in an email and they will help you, or they will always talk to you off to one side. Nothing will ever be officially stated in front of anyone else. I have seen the questions asked, and I have asked the questions. They dodge the questions on mass and will just give you the company line that not to worry we will take care of everything if there is an issue.

From the one person I spoke to who had a minor accident they did, but he couldn't share the details. Uber said any items with his claim were confidential. So he won't share. (Especially in an Uber sponsored event). He was ok but still worried long term.

This was not the first accident. It's just the one that got away. Fact is Uber has received hundreds of claims and if this s the only one that went south then something must be working. Oh ya and this one did get settled eventually.

BTW the woman who hit a taxi months ago in her Audi SUV? Ya you don't hear about it in the news because the claim was settled. Uber paid when the drivers insurance did not pay and Uber worked with her insurance company to ensure she was not canceled. Insurance companies don't care long as they don't need to pay.

From what I here Uber has settled over 200 accident claims in the year they operated. They have also rejected some claims where this was the fault of the driver. For example the driver's passenger opened the door into traffic and the door was damaged. Uber left him stranded to pay the bill.

This is one of the issues. If you are at fault due to negligence then you are on the hook. Unlike being properly covered insurance companies pay out then jack your rates. Uber just says deal with it.

Take that into consideration when you do this gig.

**** This comes from a single source and trust it with a grain of salt. I haven't done extensive research on the subject. It's just hearsay from what I would say is credible.

The above quotes from Actionjax are from other threads.
As what they do say in the Uber office may be significant, I'll record the conversation in the office using an app on my phone. I would like to hear that drivers are covered. As per what Actionjax wrote in the first post of his that I quoted, I'd prefer to go on my own rather than in a group.

 

I'd like to hear about anyone's experience in dealing an Uber related claim in Canada. Did your insurance company cancel you, or did you not mention Uber at all? Did Uber's insurer pay out? How long did it take? The attitude of the insurance companies seems to be changing towards Uber but they go by the letter of the contract so I expect they would still terminate you even with new policies weeks or months away.. Does anyone KNOW any other drivers who may not be on this forum and could relay anecdotal experiences?

 

Based on the way we've seen the tidbits of information come out regarding Uber's insurance issues, which then completely disappear, it's likely that part of any settlement includes a strict non-disclosure agreement. I suspect you'll be in tough to find somebody who can tell you about these experiences, as most would sell out their right to speak for the money involved in a claim...

 

Based on the way we've seen the tidbits of information come out regarding Uber's insurance issues, which then completely disappear, it's likely that part of any settlement includes a strict non-disclosure agreement. I suspect you'll be in tough to find somebody who can tell you about these experiences, as most would sell out their right to speak for the money involved in a claim...

It would be nice to hear from someone who would tell us that their claim was settled even if they can't disclose the terms of the settlement. A bonus would be to know if they were satisfied with the settlement. Also it would be good to know that the driver's insurance was not cancelled and if the driver is able to continue to drive with Uber.

 

I would suspect that the wording of the settlement agreement would prohibit all of that type of disclosure... plus, it really serves no benefit for somebody to come on a forum and say "My claim has been settled, and that is all I am permitted to say"; not only would it jeopardize that individual's settlement if the contract was strong enough, but it just invites hundreds of people to pester that individual for more information.

My suspicion -- all Uber claims are satisfied to the extent that they do not want to, or are not able to speak about them... otherwise you'd see that guy who got t-boned and his lawyer still ranting to the media.

Loosely translated in my view -- They get satisfied to the minimal extent required to keep that individual quiet. Given that most would just be desparate to get their vehicle back on the road, nobody is going away "satisfied"... but merely "accepting".

 

I'm just wondering if the threat of insurance cancelling policies is real or just a hypothetical thing.

 

You can certainly find out yourself...

Contact your insurer, tell them you're looking to drive for Uber... see what they say.

 

I have, it was a broker and they said that they wouldn't cover any claim that were related to Uber and that it could result in my policy being cancelled. Didn't recommend it but acknowledged lots were doing it and they were aware rideshare policies were coming.

 

So there you have it...

Yes, they can cancel your insurance and refuse to pay out claims -- whether they want to pursue that avenue will be entirely up to the specific insurer... just like how Uber has decided to do what's required to keep it's claims quiet.

 

Asper UBER agreement:

8. Insurance

1. 8.1 Prior to doing business with Company you agree to obtain the coverage required by Section 8.2 below at your sole cost and expense. You agree to review the terms and conditions of such coverage to ensure that it provides the amounts of coverage required by Section 8.2 while you are using a Vehicle to provide Transportation Services. As between you and Company, it is your sole responsibility to inform your insurer of the use of your Vehicle while providing Transportation Services.

 

I had someone from Uber in my car yesterday and asked him the question. I believe all employees have been brainwashed. This guy said that there is the liability insurance from Uber. For the Intact deal, they are still working on it... I told him that you the driver is not insured and could be denied insurance after an accident and he just commented that this can only happen in one case in a million...
In my view, we are all taking a huge risk. It will be great to have some feedback from the drivers who got involved in an accident...without giving too much info so nobody can know who is he

 

I picked up a rider one time who was involved in an accident in Ottawa while in an Uber car. She was injured in the accident. She told me that Uber's insurance were great to deal with. They covered everything including lost wages, physiotherapy, medical expenses. They were contacting her frequently to see how she was doing. I have no details about the driver other than that he was not injured.
So it seems that Uber's insurance covers the rider (at least in this case).

 

This should help

http://www.newswire.ca/news-release...re-uber-as-ridesharing-insurance-receives-green-light-in-alberta-584827231.html

https://newsroom.uber.com/canada/insurance-for-ridesharing-with-uber-in-alberta/

Expect this to be similar in Toronto

 

Hopefully it does.

But nothing has been released for Ontario yet. Toronto regulations start when July 15? lol

djino

 

Go to Intact web site all the details are there now. Uber is footing the bill for insurance. It will cost you 20 dollars a month you stay with your current company, no restriction on hours driver just a $1000.00 deductible paid by driver per accident. Your insured by intact while you have passenger in your car and again your insurance has to deny claim before they proceed. Again Uber is studying it and has yet to make a decision in Alberta.

 

Again. Your insurance company won't approve your ubering and will cancel your insurance.

 

https://www.intact.ca/uber-ride-sharing

 

This link doesn't work for me.

 

Uber Ridesharing
Intact Insurance to offer ridesharing coverage to Uber, which provides coverage for all drivers and passengers who use Uber ridesharing services.

We are offering products that provide protection for all Albertans - both drivers and passengers - using ridesharing services. With the growing popularity of the sharing and on-demand economy, we're excited to offer innovative solutions that meet consumer's changing needs.

How are drivers and passengers protected?
Intact Insurance provides ridesharing insurance coverage from the moment a driver accepts a ride request to the time passengers exit the vehicle. This coverage automatically applies to all Uber drivers (regardless of their personal auto insurance company) and passengers.

For Intact Insurance, Novex and belairdirect customers, we also offer additional coverage that will protect you when using your vehicle for personal use and when you're logged into your Uber mobile app and available to accept a ride request but have yet to do so. This coverage can be added to your existing personal auto policy simply by contacting your broker or insurance provider. It requires no additional paperwork, and you will see only a small increase in your premium.

We understand that it may take some time for other personal auto insurance companies to develop products for ridesharing. In the interest of protecting all Uber drivers, the ridesharing policy will also provide back-up coverage for incidents that occur when a driver is logged into the app and available to accept a ride request and their claim is denied by their insurance company due to their participation in ridesharing with Uber.

Click here to view our frequently asked questions for further details

 

Frequently asked questions
Which Uber operations are you insuring? Intact only insures Uber’s ridesharing operations. Examples of ridesharing in their current product suite includes UberX, UberXL, Uber Select, UberHop andUberPool. There are also driverswho concurrently participate in ridesharing and the delivery of food (UberEATS). In such cases,wewill provide coverage under the policy Uber has purchased from Intact. For drivers who only deliver food on the UberEATS platform and do not concurrently participate in ridesharing, there is no coverage under the ridesharing insurance policy. These customers should contact their broker or agent to purchase insurance for this, as would any customer doing deliveries for other companies. 5. Why is Intact involved and why have you chosen to offer this product? Intact’s core business is focused on consumer protection and meeting the insurance needs of Canadians. With the growing popularity of the sharing economy, we are adapting our product suite to offer innovative solutions to meet the changing needs of consumers and ensure they are well protected. 6. What kind of proof of insurance is provided for Uber’s ridesharing policy? An electronic insurance information formforUber’s ridesharing policy can be accessed through theUber Partnermobile application. In the event of a traffic infraction or an accident, please refer to this document. 7. Who should Uber drivers contact in the event of a claim? In the case of an accident, drivers should call Intact Insurance's dedicated number for Uber claims at 1-866-470-2335. Drivers can also contact Uber via email or their Uber Partner mobile application in accordance with Uber’s claims reporting procedure. Uber will record the details of the incident and provide this, along with a digital log record, to Intact Insurance, who will then process and adjust the claim. 8. Are optional insurance coverages included on Uber drivers’ personal insurance policies, like replacement cost or reimbursement for loss of use, covered under the Uber ridesharing policy? The Uber ridesharing policy offered by Intact Insurance provides coverage from the moment a ride request is accepted until the moment passengers exit the vehicle. This policy does not provide any optional coverages, regardless of what is included on the customer’s personal auto policy, other than comprehensive and collision coverage from the moment a ride is accepted to the moment passengers exit the vehicle