Sharing Economy

Carsharing Insurance for ShiftRide Drivers

A person dropping car keys into another person’s hands.
A person dropping car keys into another person’s hands.

Stay covered when your car is out of your hands.

Carsharing calls for coverage that’s not typically included in your personal auto policy – fortunately, Northbridge Insurance can help. We provide commercial insurance coverage for owners who rent their vehicles to other drivers through the ShiftRide carsharing program. From the moment the renter picks up your vehicle to the moment they return your vehicle, you’re protected. Our carsharing insurance applies to all ShiftRide vehicle owners and authorized drivers in Ontario.

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How does our coverage work?

When you register with ShiftRide, you decide your pricing and availability, and you’re in charge of who rents your car. Once you’ve sorted out the details and the rental period is underway, your specialized Northbridge insurance policy activates.

Your personal auto policy does not provide coverage while your vehicle is rented.

  • $2,000,000 Third Party Liability
  • Standard Accident Benefits
  • $1,000 Deductible for All Perils
  • Up to $1,500 for transportation replacement
  • No depreciation on new vehicles
  • $2,000,000 Third Party Liability
  • Standard Accident Benefits
  • $1,000 Deductible for All Perils
  • Up to $1,500 for transportation replacement
  • No depreciation on new vehicles

How to get covered

All ShiftRide vehicle owners and authorized drivers are automatically covered by Northbridge Insurance’s commercial policy without having to contact Northbridge Insurance. However, all owners must first ensure their personal auto policy allows for their vehicle to be used for carsharing. Please inform your personal auto insurance broker of your carsharing activities to ensure you can be covered by Northbridge Insurance’s commercial policy.

Is car sharing excluded from your current policy? 

Talk to your insurance broker about other personal auto insurance options that will allow for carsharing.

How to make a claim

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. ShiftRide vehicle owners and authorized drivers can also contact ShiftRide for more information via email at [email protected].

ShiftRide FAQ

Shiftride lets you book personalized, express transit service from your smartphone. You simply search and book a ride on the ShiftDrive mobile app, and their technology will do the work to schedule transportation to fulfill your ride booking. What’s unique is that you’ll share that ride with other passengers, therefore making it affordable – near to the cost of driving yourself. ShiftDrive’s technology ensures that your rides will be fast, without ever being too crowded.

Northbridge Insurance is always looking for innovative ways to help protect Canadians and what matters to them, and insuring ShiftRide 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 a ShiftRide driver, you can access an electronic certificate of automobile insurance through the ShiftRide driver-partner app*. If you’re involved in a traffic infraction or an accident while participating in carsharing, please refer to that certificate.

*Coverage 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 ShiftRide 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 ShiftRide 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.

All ShiftRide 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, ShiftRide 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 ShiftRide driver-partner app to ensure ShiftRide-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.

*All Perils, Collision, Comprehensive or Specified Perils coverage with a $1,000 driver-paid deductible (applies only if the carshare vehicle has the same coverage in force at the time of loss on your personal auto policy)

**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.)

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.

Carsharing policy offered by Westland Insurance Group Ltd. and underwritten by Northbridge General Insurance Corporation.

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