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.
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