Today, becoming an Uber driver opens the door to a very interesting business opportunity.
Uber Eats, like its competitors, is actively capitalizing on the boom in food delivery services. But since this system requires the use of your own car, how does car insurance with Uber Eats work?
In this article, we demystify what Uber Eats insurance coverage entails and how to obtain it.
Where does the insurance for Uber Eats delivery drivers come from?
From the moment you become an Uber driver, you are automatically covered by car insurance on behalf of Quebec delivery drivers.
Economical was recently named Uber’s official insurance provider. This insurance company now manages all insurance claims for Uber drivers in Canada (a role previously played by Intact Insurance).
What exactly does this insurance cover?
The product varies from one region to another in Canada. For this reason, Quebec has its own coverage, as follows:
Conditional coverage
Cette protection couvre la perte de votre véhicule, ainsi que les dommages matériels causés à ce dernier dans le cas ou vous détenez une police d‘assurance automobile personnelle. La franchise et la couverture payables sont les mêmes comprises dans votre police personnelle d’assurance automobile.
Civil liability coverage of one million dollars per accident
The insurance covers your civil liability from the moment you create a driver account in the Uber app. It is canceled when you log out of the app.
Does it provide me with adequate coverage?
Generally, this insurance is more than sufficient for the planned activities. We are talking here about delivering meals to restaurant customers within a defined area.
Any accident that occurs outside of a delivery will be covered by your personal car insurance. The app’s geolocation system also makes it easy to share when you are working for Uber Eats and when you are not.
Should I discuss this with my broker?
L’assurance offerte est complète et ne brime pas vos autres protections en cours. Toutefois, il est toujours prudent de discuter avec votre courtier indépendant si vous avez des doutes ou des interrogations.
Insurance: essential for becoming an Uber driver?
Yes. This is actually a requirement for becoming an Uber driver. And that’s why the insurance process with Economical is so simple. Uber has no choice but to protect its vast network of drivers around the world with a product that is easy to understand and tailored to the region of operation.
Can this product have a negative impact on my other personal protective equipment?
No. Insurance for Uber Eats delivery drivers is automatic protection that does not detract from your current products in any way.
Some people wonder whether they need to get more coverage on their personal auto insurance policy since they use their vehicle for business purposes. But, as mentioned above, the coverage offered by Economical is sufficient and well suited to the activities of an Uber Eats delivery driver.
How do you become an Uber driver?
Are you 21 or older and own a car or bike? Chances are you meet the requirements to
become an Uber driver and delivery person.
In addition, Uber does not require a minimum number of hours worked per week. This allows its delivery drivers to work according to their availability. It is an excellent job for students or people who want to supplement their income at the end of the month.
On the Uber Eats website, you will find all the information you need about how it works, pay, and more.