Alberta Insurance Policy
The following is an overview of how our insurance policies work and when they cover you and your riders in the event of an incident.
Go to Lyft's Certificates of Insurance & Auto Policies to download a copy of our Certificate of Liability Insurance or Auto Liability Policy.
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What coverages does Lyft maintain?
Below are the five coverages included in our insurance policies (policy limits vary based on the period of a ride):
- Automobile Liability Coverage
- Statutory Accident Benefits Coverage
- Direct Compensation - Property Damage Coverage
- Contingent Comprehensive & Collision Coverage
- Family Protection Coverage
Note: All coverages may be modified to comply with local regulations and/or provincial laws.
Automobile Liability Coverage
Liability coverage is designed to act as the primary coverage during the time the Lyft Driver app is on and available to accept a ride request (also known as “driver mode”) until the ride has ended in the app. The policy provides coverage for bodily injuries or losses others may suffer in the event of an accident. The policy limits vary based on the period of a ride. Please reference “When do these coverages apply” below for applicable policy limits.
Statutory Accident Benefits Coverage
This provides Accident Benefits that you are entitled to receive if you are injured in an accident, regardless of who caused the accident.
Direct Compensation - Property Damage Coverage
This provides coverage for repairs to your vehicle, as well as related expenses in the event of an accident when a third party is responsible for the accident. The coverage will apply up to the actual cash value of your vehicle or cost of repair, whichever is less, subject to your degree of responsibility.
Contingent Comprehensive and Collision Coverage
Our contingent comprehensive and collision coverage is designed to cover physical damage to your vehicle resulting from a non-collision event (vandalism, natural disaster, etc.) or accident as long as you have obtained the coverages on your personal automobile policy. The coverage will apply up to the actual cash value of your vehicle or cost of repair, whichever is less. The policy has a $1,000 deductible.
Family Protection
Family Protection coverage provides your dependent family members with insurance to cover any damages sustained in a motor vehicle accident.
When do these coverages apply?
When the app is off
Your personal auto insurance coverage applies.
While the app is on and you're waiting for a ride request
The following coverages apply in this period:
- Automobile Liability: $1,000,000 per accident
- Statutory Accident Benefits
- Direct Compensation - Property Damage: Actual cash value or cost of repair, whichever is less (subject to your degree of responsibility)
- Contingent Comprehensive & Collision: Actual cash value or cost of repair, whichever is less ($1,000 deductible)
Not all personal vehicle insurance policies cover driving with transportation network companies like Lyft. Check with your personal policy provider for more details.
While the app is on and you're picking up riders or giving rides
The following coverages apply in this period:
- Automobile Liability: $2,000,000 per accident
- Statutory Accident Benefits
- Direct Compensation - Property Damage: Actual cash value or cost of repair, whichever is less (subject to your degree of responsibility)
- Contingent Comprehensive & Collision: Actual cash value or cost of repair, whichever is less ($1,000 deductible)
- Family Protection Coverage: $2,000,000 per accident
Not all personal vehicle insurance policies cover driving with transportation network companies like Lyft. Check with your personal policy provider for more details.
Where this coverage is available
This policy is only available in Alberta. View our insurance policies in other provinces here.
Lyft works with various partners, including Aviva, to assist with auto insurance claims.
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