Shiftride Carsharing Insurance

ShiftRide Carsharing Insurance

Stay covered when your car is out of your hands.

What is carsharing insurance?

Carsharing calls for coverage that’s not typically included in your personal auto policy – fortunately, Northbridge Insurance can help. We provide commercial insurance coverage for owners who rent their vehicles to other drivers through the Shiftride carsharing program. From the moment the renter picks up your vehicle to the moment they return your vehicle, you’re protected. Our carsharing insurance applies to all Shiftride vehicle owners and authorised drivers in Ontario.

How does our coverage work?

When you register with Shiftride, you decide your pricing and availability, and you’re in charge of who rents your car. Once you’ve sorted out the details and the rental period is underway, your specialized Northbridge insurance policy activates.

Personal auto insurance


  • Your personal auto policy does not provide coverage while your vehicle is rented.

Car sharing insurance


  • The renter picks up your car
  • $2,000,000 Third Party Liabilitya
  • Standard Accident Benefits
  • $1000 Deductible for All Perils
  • Up to $1500 for transportation replacement
  • No depreciation on new vehicles


  • The renter is in possession of your car
  • $2,000,000 Third Party Liability
  • Standard Accident Benefits
  • $1000 Deductible for All Perils
  • Up to $1500 for transportation replacement
  • No depreciation on new vehicles
Shiftride Logo

How to get covered

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

Car sharing excluded from your current policy?

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

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 carsharing policy for more details. Shiftride vehicle owners and authorised drivers can also contact Shiftride for more information via email at
[email protected].

© 2019 Northbridge Financial Corporation (“Northbridge”). ™ ® Trademark of Northbridge.
*All Perils, Collision, Comprehensive or Specified Perils coverage with a $1,000 driver-paid deductible (applies only if the carshare 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 carsharing 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.)
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.
Carsharing policy offered by The McLennan Group Insurance Inc. and underwritten by Northbridge General Insurance Corporation

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