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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):

  • Automobile Liability Coverage
  • Statutory Accident Benefits Coverage
  • Uninsured Automobile Coverage
  • Direct Compensation - Property Damage Coverage
  • Contingent Comprehensive & Collision Coverage

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How to report an accident

Please report any accidents to our Trust & Safety team by using our call feature below.

 

View Lyft's insurance policy in the Lyft Driver app

To view our insurance policy:

  1. Open your driver app and go to the sidebar
  2. Tap 'Vehicle'
  3. Tap the vehicle that you want to see the insurance for
  4. Tap 'Lyft insurance'

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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.

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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:

  • Automobile Liability: $1,000,000 per accident
  • Statutory Accident Benefits
  • Uninsured Automobile: $1,000,000 per accident
  • 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)

Post-Acceptance: Ride request accepted through the end of Lyft ride

The following coverages apply in this period:

  • Automobile Liability: $2,000,000 per accident
  • Statutory Accident Benefits
  • Uninsured Automobile: $2,000,000 per accident
  • 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)

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Note: All coverages may be modified to comply with local regulations and/or provincial laws.

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What provinces and territories of Canada are covered by this policy

Currently, our policy is only available in Ontario. Head 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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