While arranging the client's Ontario Automobile Policy (OAP1) policy, the client tells the Broker that they use their car for about 6 hours per week to provide a ride sharing service. What, if any, additional coverage is needed? Nothing, as the OAP1 now covers part-time ride sharing so long as the vehicle is primarily for personal use. An endorsement to the drivers OAP1 for rented or leased vehicles (OPCF 5) is required. A separate specific ride-sharing insurance policy is required as it is a commercial enterprise. An endorsement to the drivers. OAPE for transportation (OPCF 20) is required.

While arranging the client's Ontario Automobile Policy (OAP1) policy, the client tells the Broker that they use their car for about 6 hours per week to provide a ride sharing service. What, if any, additional coverage is needed? Nothing, as the OAP1 now covers part-time ride sharing so long as the vehicle is primarily for personal use. An endorsement to the drivers OAP1 for rented or leased vehicles (OPCF 5) is required. A separate specific ride-sharing insurance policy is required as it is a commercial enterprise. An endorsement to the drivers. OAPE for transportation (OPCF 20) is required.