As brokers in Ontario, we receive product updates from insurance companies often. Here is one that applies to ride sharing and is an industry first:

To all Ontario broker partners:

Further to our announcement in early January that we will be offering coverage for drivers who use their own vehicle to carry paying passengers, we are pleased to advise that coverage is now available for drivers who spend up to 20 hours a week participating in ride-sharing.

First to market with this type of coverage, Aviva is committed to evolving our insurance solutions to respond to changing consumer needs. Our solution provides drivers and passengers with absolute peace of mind that they have insurance coverage while ride-sharing from the moment the driver and passenger have been matched through an online platform to the moment the passenger is transported to their destination.
How the coverage works

It’s a simple addition to an Aviva personal lines automobile policy in the form of the Transportation Network endorsement (NPCF 6TN – Permission to Carry Paying Passengers for a Transportation Network).

This endorsement transfers the risk from the part-time driver to the insurer, allowing drivers to carry paying passengers when under contract for a transportation network company.

The driver must be licensed for a minimum of six years in Canada or the USA. The automobile can have a maximum of eight passengers and operate for ride-sharing service for up to 20 hours per week. No other commercial use of the vehicle is permitted. The automobile cannot be registered as a taxi, limousine or any other public transportation