Lyft Ride-Sharing Insurance

If you’re a Lyft driver in Ontario, Aviva has you covered

Aviva is thrilled to partner with Lyft Canada Inc. (Lyft) as it enters the Canadian market for the first time, offering an auto insurance solution for all drivers and passengers using Lyft ride-sharing services in Ontario.

Protection for drivers and passengers

Aviva provides an insurance solution for Lyft drivers who use their personal vehicles to carry paying passengers.

If you’re a Lyft driver, Lyft’s commercial ride-sharing insurance covers you as soon as you log in to the Lyft app to accept passengers and ends when all passengers have exited your vehicle.

All drivers should contact their insurance broker/advisor if they intend to engage in ride-sharing.

For more information about the terms and conditions, read the Aviva-Lyft commercial insurance policy document and FAQs below.

Phase 0
Vehicle being used for personal use
Phase 1
Drive avialable to accept Lyft app
Driver accepts trip
Phase 2
Driver en route to collect passenger
Phase 3
Passenger enters vehicle, transport to destination, passenger exits vehicle
  • Coverage provided by driver's personal automobile insurance policy
  • Aviva-Lyft commercial policy*
  • $1 million Third party liability
  • Standard accident benefits
  • $1,000 deductible for collision and comprehensive**
  • Aviva-Lyft commericial policy*
  • $2 million third party liability
  • Standard accident benefits
  • $1 000 deductible for collision and comprehensive**

*Lyft ride-sharing commercial insurance policy is underwritten by Aviva Insurance Company of Canada. Certain conditions, limitations, exclusions and restrictions apply. Coverage under this policy is only available in Ontario.

** Physical damage coverage is only available to Lyft drivers with Collision and Comprehensive or All Perils coverages on their personal automobile insurance policy.

Frequently asked questions

  • What is Lyft?

    Lyft, Inc. is a transportation network company (TNC) based in San Francisco, California. It develops, markets and operates the Lyft app. Launched in June 2012, Lyft, Inc. operates in approximately 300 U.S. cities, including New York, San Francisco & Los Angeles. Lyft, Inc. entered the Canadian market in late 2017, currently operating in Ontario only. 

    Why has Aviva partnered with Lyft?

    In recognition of the evolving needs of customers and the growing popularity of ride-sharing, Aviva developed a commercial insurance solution for Lyft drivers so the right coverage is in place for this activity. We chose to partner with Lyft because Lyft shares many of Aviva’s values, including focusing on customers’ needs and bringing communities together. 

    How does Aviva’s commercial ride-sharing insurance solution work for Lyft?

    Lyft has a commercial insurance policy underwritten by Aviva Insurance Company of Canada that provides coverage to all registered vehicles, drivers and passengers who use the Lyft ride-sharing platform. The Lyft commercial insurance policy provides coverage from the moment drivers make themselves available to accept passengers to the moment passengers exit the vehicle.

    • $1 million Third Party Liability for phase 1
    • $2 million Third Party Liability for phase 2 and 3
    • Standard Accident Benefits for phases 1, 2 and 3
    • Comprehensive and Collision coverage with a $1,000 deductible payable by drivers for phases 1, 2 and 3. Only drivers with Comprehensive and Collision or All Perils coverage on their personal auto insurance policy will be eligible for this coverage under the Lyft commercial policy. 

    What if I purchased options on my personal auto insurance policy like disappearing deductible or increased income replacement – will they apply when I’m driving for Lyft?

    Aviva recognizes that many customers have purchased enhanced coverages on their personal auto insurance policies such as:

    • waiver of depreciation on new vehicles
    • loss of use to replace your vehicle while it’s being repaired
    • increased income replacement 
    • lower deductibles

    These enhancements will extend when you’re driving for Lyft if you’re insured with one of Aviva’s underwriting companies (Aviva Insurance Company of Canada, Traders General Insurance Company and Scottish & York Insurance Co. Limited) and if you've purchased the ride-sharing endorsement. Ask your Aviva broker to have this endorsement added to your policy.

    Do I need to make any changes to my personal auto insurance policy?

    Please contact your broker/advisor if you intend to engage in ride-sharing, as it is a requirement of your policy to report any changes to the use of your vehicle.

    How do I provide proof of insurance while driving for Lyft?

    An electronic certificate of auto insurance can be accessed through the Lyft app and serves as evidence of insurance under the Lyft policy.

    Who should Lyft drivers contact in the event of a claim?

    In the event of a claim, drivers and passengers should contact Lyft’s Critical Response Line at 1-855-865-9553 (available 24/7).

    There are other ride-sharing companies operating in Ontario. Will Lyft’s policy cover driving for other ride-sharing companies?

    The commercial insurance solution  Aviva developed for Lyft covers drivers only while they are driving for Lyft.