Personal policy alone may not be enough
Coverage can change when the driver is logged into a platform or carrying passengers.
Platform insurance has defined periods
Different coverage can apply while waiting for a trip, en route or carrying a passenger.
Disclose the use
The personal insurer should know about rideshare or carshare activity.
Use current FSRA-approved product information
Platform and insurer arrangements can change.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.