I spoke to my personal insurer (Aviva) and they say I DO need to add their rideshare endorsement if I want to do ride sharing with Uber. But everywhere else I’ve read, I do NOT need to purchase additional insurance above the Uber group policy offered thru Intact.
To complicate matters, my insurer Aviva, is now the group insurer for Lyft. So does that mean, I definitely wouldn’t need the rideshare endorsement if I decide to drive for Lyft instead, since Aviva is already my insurer?
I have done countless searches on this and I can find no consistent information. Just conflicting information, and coupled with the fact that my own Insurer says I need rideshare endorsement, I do not know what to believe any more.
For example, what happens if I am in an accident where I am at fault, what deductible Would I pay? I have a zero deductible on my personal policy.