Uber Driver Insurance coverage in Edmonton
While becoming an Uber driver may seem like a simple way to gain some cash, there are a number of requirements and considerations that need to be taken into account before signing up. On top of that, personal auto insurance policies typically don’t cover ride-share driving. While the process to becoming an Uber driver may seem daunting at first, it can still be a rewarding experience for those willing and able to meet the requirements.
Vehicle Requirements
Uber vehicles in Edmonton must meet the following requirements:
- Four independently opening doors
- Five seatbelts
- No more than 10 years old
- Not salvaged or rebuilt
- Doesn’t have commercial branding
- Passes a vehicle inspection
Additionally, to qualify for a specific type of Uber service, such as UberXL, the vehicle must meet certain requirements specific to that service. All Uber drivers in Edmonton must have two Uber stickers displayed on their vehicle when it is online—one on the front windshield, passenger side, and one on the rear windshield, driver side.
Vehicle Inspections
Uber vehicles in Edmonton must pass an annual inspection, and the completed form must be kept inside the vehicle at all times. To apply, simply download the inspection form from the Uber website, bring it to a preferred partner mechanic, and upload a photo of the completed inspection form to your profile once the inspection is complete. Keep the original form in your vehicle at all times.
License Requirements
Uber drivers in Edmonton must have a valid Class 1, 2 or 4 licence. Obtaining a Class 4 licence requires a complete background screen, medical exam, and completion of a knowledge and road test.
Vehicle Registration
Uber drivers in Edmonton must carry a Class 1-55 vehicle registration, which is a type of registration distributed by the province to individuals providing ride-share services. This will require a visit to a registry in Alberta, a small fee and a new licence plate (included in the fee).
Driver Abstract
Uber drivers in Edmonton need to add their three-year driver abstract to their Uber profile, which is a driving record summary that includes merit and demerit points, convictions and suspensions. Requirements for the abstract are as follows:
- The driver abstract must be approved for a minimum three-year period and must be obtained within the last 30 days.
- Drivers cannot have a single major conviction on their abstract (four or more demerit points), and no more than two minor convictions (three demerit points or fewer).
- Drivers cannot have any licence suspensions or “driving without insurance” convictions.
- Merit courses have no impact on abstract eligibility.
- Driver abstracts are obtained at Service Alberta registries. Simply bring an accepted form of ID to a Service Alberta registry, fill out an application and bring the driver abstract to the Uber Greenlight Hub in Edmonton once you receive it.
Background Check
Uber drivers in Edmonton must complete an in-person background screening at the Edmonton Greenlight Hub. To complete this background check, drivers must bring their driver’s licence, driver abstract and a secondary form of identification. Drivers must also reside in Edmonton or the following surrounding areas:
- Beaumont
- Sherwood Park
- St. Albert
- Morinville
- Fort Saskatchewan
- Leduc
- Spruce Grove
- Stony Plain
Under most standard personal auto policies in Canada, drivers are prohibited from engaging in commercial activities (e.g., renting or leasing out a vehicle, or transporting passengers for pay). For those considering becoming an Uber driver, let your insurer know of any changes in how you use your personal vehicle to avoid gaps in insurance coverage. While Uber may provide some coverage in the event of an accident, you need to consider specialized insurance to ensure you are fully insured.
Consulting an Auto Insurance Broker
An auto insurance broker in Edmonton can help you navigate the complexities of commercial ride-sharing insurance. They can shop around for quotes from different providers to find the coverage that best suits your needs and budget.
Contact Access Insurance
For more information about becoming an Uber driver, to make sure your vehicles are properly protected, or to review insurance coverages with a specialist—contact Access Insurance Group Ltd. to talk about your insurance options today.
Get advice, a quote or make a change from anywhere or in person at one of our locations in Edmonton, Lacombe, Lloydminster, Red Deer, and Stony Plain.
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