Frank InsuranceFrank Insurance
Rideshare and delivery drivers
Strongest heading into winter

Driving for Uber, DoorDash or Instacart? Make sure your insurance knows.

Ontario’s standard auto policy doesn’t cover carrying paying passengers, and using your car for deliveries is a change your insurer needs to know about. Some apps provide coverage while you’re working, but it has limits. Frank explains your options so a claim isn’t denied.

Check my app driving coverage Call or text (613) 777‑0375

No obligation. Nothing changes without your approval.

  • Licensed broker (RIBO)
  • English or French
  • Weekends available
  • A real person, by phone

What app drivers should know

Paying passengers aren’t covered by default

The standard Ontario auto policy excludes carrying paying passengers unless you have the right coverage, such as a ride-sharing policy or endorsement.

App coverage has limits

Some platforms have FSRA-approved policies that apply only while the app is on. When the app is off, your personal policy applies. Not every delivery app has one.

Your insurer needs to know

Using your car for work your insurer doesn’t know about can lead to a denied claim or a cancelled policy.

What Frank checks

  • How you use your car: which apps, passengers or deliveries, and roughly how many hours
  • What coverage each platform provides, and when it applies
  • Whether your policy needs an endorsement or a different policy
  • Other drivers of the car
  • Discounts you may be missing while you’re at it

How it works

  1. Send a short requestPick a time for a call and add documents if you have them. It takes a few minutes.
  2. Frank reviews and comparesA licensed broker looks at your situation and compares options.
  3. You decideTalk it through by phone. Nothing changes without your approval.
Check my app driving coverage

What to have ready

  • Your current auto policy
  • Which apps you drive for and about how many hours a week
  • Your vehicle details
  • Any insurance information the platform gave you

Don’t have everything? Send what you have and Frank will ask for the rest.

Common questions

Isn’t the app’s insurance enough?

It depends on the platform and when something happens. App coverage generally applies only while the app is on, and your personal policy covers the rest.

I only deliver a few hours a week. Do I need to tell my insurer?

Yes. Even part-time use is a change your insurer should know about.

Will it cost more?

It may, depending on the insurer and how much you drive for work. Frank compares options so you’re properly covered.

Can we talk in French?

Yes. Frank works in English or French.

Drive for the apps without the insurance worry

Tell Frank how you use your car. No obligation, and nothing changes without your approval.

Check my app driving coverage Call or text (613) 777‑0375

Prefer email? Write to Frank.tereraho@insureu.ca.

More reasons to review your insurance

New to Ontario? Your first car insurance, explainedHow Ontario car insurance works, how your driving experience from abroad can count, and what to bring.Buying or leasing a car? Insurance firstYou need proof of insurance to register and drive off the lot, and leases have their own rules.Running a business from home? Check your policyHome policies usually give limited business coverage and no business liability. Check yours.

See all reasons to buy →

Sources: FSRA: ridesharing, carsharing and auto insurance · FSRA: what isn’t covered

Frank Insurance isn’t affiliated with Uber, DoorDash, Instacart or any other platform. Names are used only to describe the type of driving.

Frank Tereraho is a licensed insurance broker (RIBO) affiliated with InsureU Brokers Inc., 135 Laurier Ave W, Ottawa, ON. This page is general information, not advice. Savings are not guaranteed. Quotes and coverage depend on each insurer’s underwriting and policy wording.