Carsharing Insurance for Eligo Drivers

Eligo Cars is a peer-to-peer car-sharing platform. Our focus is on Luxury, Sport, Green, and Electric vehicles. The platform makes it Safe, Simple, and Easy for registered renters to find and rent vehicles from registered vehicle owners. The service is available 24/7 via browser and downloadable smart device apps.

Northbridge Insurance is always looking for innovative ways to help protect Canadians and what matters to them, and insuring Eligo is a great way for us to do that. With the sharing economy becoming more popular, the needs of consumers are changing and we’re adapting our solutions to those changing needs.

If you’re an Eligo driver, you can access an electronic certificate of automobile insurance through the Eligo driver-partner app. If you’re involved in a traffic infraction or an accident while participating in carsharing, please refer to that certificate.

Northbridge Insurance’s coverage is available at no cost to all Eligo drivers in Ontario. It provides the following coverage during the period you are delivering your vehicle to the renter, to the moment they return your vehicle:

• Third Party Liability with $2,000,000 limit
• Standard accident benefits
• Comprehensive and collision coverage with a $1,000 deductible
• Coverage of up to $1,500 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.)

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.

All Eligo 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 carsharing. Please inform your personal auto insurance broker or agent of your carsharing activities to ensure you can be covered by Northbridge Insurance’s commercial policy.

In the event of an accident, Eligo 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.

You must ensure that your personal auto policy allows for your vehicle to be used for carsharing. Claims for accidents that occur during the time you are delivering your vehicle to a renter up to the time the vehicle has been return are made against the Northbridge Insurance commercial policy. After an accident, you should reference the electronic certificate of automobile insurance available on the Eligo driver-partner app to ensure Eligo-related claims do not affect your personal auto policy. Driving infractions, on the other hand, may follow the individual, potentially affecting your personal auto policy.

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.