Skip to Content

Ontario Insurance Policy

The subject of insurance can be a complicated one, but it’s important you know how and when our policies cover you and your passengers in the event of an incident. The following is an overview of how our insurance policies work. Below are the five coverages included in our insurance policies (policy limits vary based on the period of a ride):
  1. Automobile Liability Coverage
  2. Statutory Accident Benefits Coverage
  3. Uninsured Automobile Coverage
  4. Direct Compensation - Property Damage Coverage
  5. Contingent Comprehensive & Collision Coverage
Skip to:
How to report an accident
Please report any accidents to our Trust & Safety team by using our call feature below.
What coverages does Lyft provide?
Automobile Liability Coverage
Our 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. The details of the Accident Benefits Coverage are set out in the Statutory Accident Benefits Schedule of the Insurance Act (Ontario).
Uninsured Automobile Coverage
In the event of an accident with a driver who is uninsured or underinsured and is ultimately at fault for bodily injury caused to you and/or your passengers, our Uninsured coverage will apply. The policy limits vary based on the period of a ride. Please reference “When do these coverages apply” below for applicable policy limits.
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.
Note: All coverages may be modified to comply with local regulations and/or provincial laws.
When do these coverages apply?
Personal use: Coverage when driver mode is off
Your personal insurance is your insurance policy.
Pre-Acceptance: Driver mode is on but no ride accepted
The following coverages apply in this period:
  1. Automobile Liability: $1,000,000 per accident
  2. Statutory Accident Benefits
  3. Uninsured Automobile: $1,000,000 per accident
  4. Direct Compensation - Property Damage: Actual cash value or cost of repair, whichever is less (subject to your degree of responsibility)
  5. Contingent Comprehensive & Collision: Actual cash value or cost of repair, whichever is less ($1,000 deductible)
Post-Acceptance: Ride request accepted through the end of Lyft ride
The following coverages apply in this period:
  1. Automobile Liability: $2,000,000 per accident
  2. Statutory Accident Benefits
  3. Uninsured Automobile: $2,000,000 per accident
  4. Direct Compensation - Property Damage: Actual cash value or cost of repair, whichever is less (subject to your degree of responsibility)
  5. Contingent Comprehensive & Collision: Actual cash value or cost of repair, whichever is less ($1,000 deductible)
Ontario insurance infographic, including timeline of coverage in different scenarios.
Note: All coverages may be modified to comply with local regulations and/or provincial laws.
What provinces and territories of Canada are covered by this policy
Currently, our policy is only available in Ontario. Go to Lyft's Certificates of Insurance & Auto Policies to download a copy of our Certificate of Liability Insurance or Auto Liability Policy.
If you’re driving in Windsor or Toronto, you must communicate to your insurance provider that you are using your vehicle for TNC purposes.
Lyft works with various partners, including Aviva, to assist with auto insurance claims.
See also:

Still need help?