Ridesharing Insurance for Y Drive PTBO Drivers
![A man getting in to the back seat of a car.](https://www.northbridgeinsurance.ca/wp-content/uploads/2021/03/2_-Ydride-630x280-1.jpg)
![A man getting in to the back seat of a car.](https://www.northbridgeinsurance.ca/wp-content/uploads/2021/03/2_-Ydride-375x260-1.jpg)
Y Drive PTBO drivers in Ontario: Northbridge Insurance has your back.
From the moment you are available to accept a ride request up to the moment your passenger leaves your vehicle, you’re protected by Northbridge Insurance. Our ridesharing insurance applies automatically to all Y Drive PTBO drivers and passengers in Ontario.
View policyWhat is ridesharing insurance?
- $1,000,000 Third Party Liabilityª
- Standard Accident Benefits
- $1,000 Deductible for All Perils, Collision, Comprehensive or Specified Perils*
- $2,000,000 Third Party Liability
- Standard Accident Benefits
- $1,000 Deductible for All Perils, Collision, Comprehensive or Specified Perils*
- Up to $1,500 for transportation replacement**
- No depreciation on new vehicles***
How to get covered
All Y Drive PTBO 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.
Is ridesharing not allowed under your personal auto policy?
Talk to your insurance broker about other personal auto insurance options that will allow for ridesharing.
![How to make a claim](https://www.northbridgeinsurance.ca/wp-content/uploads/2020/11/DidYouKnow@3x.png)
How to make a claim
One of our knowledgeable and efficient claims experts will be pleased to help you 24 hours a day, 7 days a week.
Submit a claim online or call 1.855.621.6262
For more information
Take a look at our frequently asked questions and ridesharing policy for more details. Y Drive PTBO drivers can also contact Y Drive PTBO for more information via email at [email protected]
Y Drive PTBO FAQ
If you’re a Y Drive PTBO driver, you can access an electronic certificate of automobile insurance through the Y Drive PTBO driver-partner app1. If you’re involved in a traffic infraction or an accident while participating in ridesharing, please refer to that certificate.
1Coverage is not provided to taxicab services or licensed limousine or livery services. Such services must obtain appropriate vehicle insurance.
Northbridge Insurance’s coverage is available at no cost to all Zoom drivers in Ontario1. It provides the following coverage from the time you log in and are available to accept a ride request up to the time your passenger exits the vehicle:
- Third-party liability
- $1 million limit from the time you log in to Y Drive PTBO and are available to accept a trip up to the time you accept a trip
- $2 million limit from the time you accept a trip up to the time your passenger exits the vehicle
- Standard accident benefits
- Comprehensive and collision coverage with a $1,000 driver-paid deductible (applies only if you have comprehensive and collision coverage on your personal auto policy)
- Additional protection from the time you accept a trip up to the time your passenger exits the vehicle:
- Coverage of up to $1,500 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.)
This coverage is completely separate from and is not a replacement for your personal auto policy. It doesn’t provide any optional coverage other than what’s specified above.
1Coverage is not provided to taxicab services or licensed limousine or livery services. Such services must obtain appropriate vehicle insurance.
In the event of an accident, Y Drive PTBO drivers should call the Northbridge Insurance claims line at 1.855.621.6262. Experienced, knowledgeable, and efficient claims experts are available to help you 24 hours a day, 7 days a week.
Northbridge Insurance has a privacy policy that details how it collects, uses, and discloses personal information. You can find the policy here. You can direct any questions about the Northbridge Insurance privacy policy to its Privacy Officer at the contact address indicated in the privacy policy.
© 2021 Northbridge Financial Corporation (“Northbridge”). ™ ® Trademark of Northbridge.
ª $1 million limit from the time you log in to Y Drive PTBO 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 McDougall Insurance and underwritten by Northbridge General Insurance Corporation.