Ridesharing
has literally taken the world by storm, and Alberta is not far behind in
immersing its proud cities with companies such as Uber and TappCar. The freedom
and flexibility to use your own vehicle and work the hours you want to, is
precisely what makes these companies so appealing to many Albertans looking to
earn extra income. Although Calgary has yet to approve Uber, the Alberta based
ridesharing company, TappCar, is in full operation. You may have noticed their cars
around Edmonton and Calgary. Nevertheless, before you take the leap and join
the growing ridesharing trend, be sure to contact your insurance representative
to ensure you have the right coverage or you could get stuck with a large bill
for an uninsured claim.
If you have
already contacted Uber or TappCar, you may be thinking “but they told me I have
insurance under their commercial policy.” That may be correct, however, you
still need to advise your broker or agent as you will need to add what’s called
an endorsement (amendment to the policy used to add or delete coverage), or
something similar, otherwise, you could have gaps in your
coverage. We have compiled a list of the most frequently asked questions we have receive at
our brokerage. Let us know if you have any questions that are not on the list!
Why do I need rideshare insurance?
Rideshare insurance
is an add-on coverage that will insure rideshare drivers and their passengers
in the event of an accident.
What does rideshare insurance cover?
Rideshare
insurance coverage varies greatly between insurance companies, but typically it
would cover you for claims arising out of driving your vehicle under the
rideshare clock, subject to your policy limitations and exclusions. If you want
to know what those limitations and exclusions are, be sure to ask your broker.
The language used in insurance documents requires that you have a PhD in legal
speak, so we always encourage you to ask a representative if you’re uncertain
about anything.
Is rideshare insurance expensive?
Simple
answer, no, it really shouldn’t be. If you find you’re getting outrageously expensive
quotes for add-on coverage, definitely shop around!
Do you need a separate policy for rideshare
insurance?
You do not.
So long as you fit the insurance requirements for both the company you are
driving with, and your personal insurance policy regulations, then you should
be fine. Right now, every insurance company is treating rideshare coverage differently. Some are adding what’s called an endorsement to your policy
(basically an add-on coverage), while others re-rate how you're using your vehicle.
What happens if I don’t let my broker know that I am using my vehicle for rideshare?
Well, that
could be really bad for you…Any time you change how you’re using your vehicle,
you need to notify your insurance provider as it changes the nature of your
policy contract. Insurance is based on insuring you for risks. For example, did
you know that the North West of Calgary has a higher risk for hail storms than
the South parts of Calgary? Changing how frequently you use your vehicle also
changes your risk factors. Here’s an example of this: Say you were using
your vehicle occasionally on the weekends, but now you commute 20k every single
day. You have now changed the risk factors on your vehicle. You’re driving your
vehicle a lot more, which increases your chances of getting into an accident.
This principle works the same way for rideshare. Putting paying passengers in your
vehicle and driving them to different locations increases your risk for getting
into an accident. Not only that, but your claims could have a much larger payout due to the liability exposure from your paying passengers in the event of
injury or damaged property. Not letting your insurance provider know that you’re
using your vehicle for rideshare purposes could most likely result in a claim
being rejected. That’s a lot of money you could be on the hook for!
Want to
know more about Uber and rideshare insurance? Feel free to ask us questions
anytime. Just go on Twitter or on our Facebook page and use the #AskSharp and
we will get back to you with a response!
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