InstaRyde Ridesharing Insurance

Insurance for InstaRyde drivers

InstaRyde drivers in Ontario: Northbridge Insurance has your back.

What is ridesharing insurance?

Ridesharing is the act of allocating underutilized assets in our case vehicles and connecting users to drivers through our platform. Our app uses modern algorithms to match passengers with drivers within proximity facilitating passengers’ journey and allowing drivers to further utilize their vehicles and earn income from it. With a few clicks, you can set up your pickup location and destination You can follow your driver on your app and check their name, licence plate, and ratings. Our aim is to create a pleasant experience for both parties.
After setting up your preferred payment method, our app allows for a cash-free environment.

Your personal auto policy covers you when:

Our ridesharing insurance covers you when:

0

1

2

  • You’re not logged in
  • You have no trip or passenger
  • You’re logged in
  • You’re available to accept a trip
  • You’re enroute to pick up a passenger
  • You’re transporting a passenger

Offline

When you’re not logged in and have no trip or passenger
0 Stage 0
  • You’re covered under your existing personal auto policy

Waiting

When you’re logged in and available to accept a trip
1 Stage 1
  • $1,000,000 Third Party Liabilityª
  • Standard Accident Benefits
  • $1,000 Deductible for All Perils, Collision, Comprehensive or Specified Perils*

En route

When you’re en route to pick up a passenger
2 Stage 2
  • $2,000,000 Third Party Liability
  • Standard Accident Benefits
  • $1,000 Deductible for All Perils, Collision, Comprehensive or Specified Perils*
  • Up to $1500 for transportation replacement**
  • No depreciation on new vehicles***

Your personal auto policy covers you when:

  • You’re not logged in
  • You have no trip or passenger

Offline

When you’re not logged in and have no trip or passenger
0 Stage 0
  • You’re covered under your existing personal auto policy

Our ridesharing insurance covers you when:

  • You’re logged in
  • You’re available to accept a trip

Waiting

When you’re logged in and available to accept a trip
1 Stage 1
  • $1,000,000 Third Party Liabilityª
  • Standard Accident Benefits
  • $1,000 Deductible for All Perils, Collision, Comprehensive or Specified Perils*

Our ridesharing insurance covers you when:

  • You’re enroute to pick up a passenger
  • You’re transporting a passenger

En route

When you’re en route to pick up a passenger
2 Stage 2
  • $2,000,000 Third Party Liability
  • Standard Accident Benefits
  • $1,000 Deductible for All Perils, Collision, Comprehensive or Specified Perils*
  • Up to $1500 for transportation replacement**
  • No depreciation on new vehicles***
instaryde insurance

How to get covered

All InstaRyde drivers are automatically covered by Northbridge Insurance’s commercial policy without having to contact Northbridge Insurance. However, all drivers must first ensure their personal auto policy allows for their vehicle to be used for ridesharing. Please inform your personal auto insurance broker of your ridesharing activities to ensure you can be covered by Northbridge Insurance’s commercial policy.

Ridesharing not allowed under your policy?

Talk to your insurance broker about other personal auto insurance options that will allow for ridesharing.

How to make a claim

To report a claim, call us anytime at 1.855.621.6262. One of our experienced, knowledgeable and efficient claims experts will be pleased to help you 24 hours a day, 7 days a week.

For more information

Take a look at our frequently asked questions and ridesharing policy for more details. InstaRyde drivers can also contact InstaRyde for more information via email at insuranceon@instaryde.com.

© 2016 Northbridge Financial Corporation (“Northbridge”). ™ ® Trademark of Northbridge.
ª $1 million limit from the time you log in to InstaRyde and are available to accept a trip up to the time you accept a trip
*All Perils, Collision, Comprehensive or Specified Perils coverage with a $1,000 driver-paid deductible (applies only if the rideshare vehicle has the same coverage in force at the time of loss on your personal auto policy)
**Coverage of up to $1500 for transportation replacement while your ridesharing vehicle is being repaired due to an insured loss
***No depreciation deduction on new vehicles (Does not apply to tires, batteries and betterments. Loss or damage must take place within 30 months from the original delivery date of the vehicle or before the first renewal following that date, whichever is later.)
†Coverage is not provided to taxicab services or licensed limousine or livery services. Such services must obtain appropriate vehicle insurance.
Certain conditions, limitations and exclusions apply to the insurance policies. The information that appears on this page is provided for information purposes only. The insurance contracts prevail at all times. Please consult the insurance contracts for complete description of coverage and exclusions.
Ridesharing policy offered by The McLennan Group Insurance Inc. and underwritten by Northbridge General Insurance Corporation

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