{"id":15747,"date":"2019-02-04T16:50:40","date_gmt":"2019-02-04T21:50:40","guid":{"rendered":"https:\/\/www.assur360.ca\/taxi-insurance-compare-choose-insure\/"},"modified":"2026-04-20T15:18:16","modified_gmt":"2026-04-20T19:18:16","slug":"taxi-insurance-compare-choose-insure","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/taxi-insurance-compare-choose-insure\/","title":{"rendered":"Quebec Taxi Insurance 2026: Uber, Lyft, Eva"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InsuranceAgency\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\/\",\"logo\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/11\/logo-assur360.png\",\"telephone\":\"+1-866-357-4451\",\"address\":{\"@type\":\"PostalAddress\",\"streetAddress\":\"1055 boul. Smith Sud\",\"addressLocality\":\"Thetford Mines\",\"addressRegion\":\"QC\",\"postalCode\":\"G6G 7N5\",\"addressCountry\":\"CA\"},\"areaServed\":\"CA-QC\",\"serviceType\":\"Assurance taxi Uber Lyft transport r\u00e9mun\u00e9r\u00e9\",\"licenseNumber\":\"AMF\"}\n<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Whether you drive a traditional taxi, are an <strong>Uber<\/strong>, <strong>Lyft<\/strong>, <strong>Eva<\/strong>, <strong>T\u00e9o Taxi<\/strong> driver or operate your own paid carpooling service in Quebec, you need <strong>taxi insurance<\/strong> that complies with the framework of the Act respecting remunerated transportation by automobile. At <strong>Assur360<\/strong>, our <strong>AMF-certified brokers<\/strong> find the best premiums with the few insurers that cover this specialized segment \u2014 <strong>PL-250<\/strong> endorsement, $2 million liability insurance, dashcam and telematics for discounts. <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-taxi-vehicule.jpg\" alt=\"Taxi vehicle \u2014 Assur360 insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Taxi-insurance-individual-vehicle\"><\/span>Taxi insurance (individual vehicle)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Independent taxi drivers (owners of their vehicle) must take out <strong>commercial vehicle insurance for passenger transport<\/strong>. Typical annual premium: <strong>$5,000 to $12,000\/year<\/strong>. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Restricted markets: Few insurers<\/strong> in Quebec accept taxis. An independent broker accessing specialized markets (Echelon, specialized RSA) is essential to compare. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">PL-250 ENDORSEMENT COMPLIANT<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Paid-Transportation-Insurance-%E2%80%94-Taxi-Uber-Lyft-Eva\"><\/span>Paid Transportation Insurance \u2014 Taxi, Uber, Lyft, Eva<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Complete protection for drivers with SAAQ Class 4C license. Submission in 3 minutes. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get My Quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">PL-250<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">QC Mandatory Endorsement<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$2M<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Minimum recommended liability<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">25 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Dashcam discount possible<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Submission time<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who-should-have-taxi-insurance-in-Quebec\"><\/span>Who should have taxi insurance in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Since the coming into force of the <strong>Act respecting remunerated transportation by automobile<\/strong> (October 2020), any driver who transports passengers for remuneration in Quebec \u2014 regardless of the platform \u2014 must hold an <strong>SAAQ Class 4C license<\/strong> and compliant <strong>commercial insurance<\/strong> . A personal auto policy does NOT cover paid transportation: any claim during a ride would be denied. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude96<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Traditional taxi<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Taxi driver operating under a fleet or as an independent \u2014 Diamond, Pontiac, Champlain, Coop, etc. Full-time taxi coverage. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcf1<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Uber, Lyft, Eva drivers<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Paid transportation platforms \u2014 full-time or part-time driving. Endorsement PL-250 covers periods with passengers and between trips (open app). <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude90<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Paid carpooling<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Any paid transportation service, including shuttles, VIP private services, corporate services. The QC law applies the same rules to all these models. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-coverages-for-taxi-drivers\"><\/span>Essential coverages for taxi drivers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udccb<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Endorsement PL-250 (remunerated transport)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Mandatory endorsement in Quebec for any vehicle used in remunerated transportation. Classifies your vehicle as commercial and activates the appropriate coverages. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">RCA $2 million minimum<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Civil liability for injuries to passengers, pedestrians and other vehicles. <strong>$2 million is the minimum<\/strong> \u2014 we recommend $5 million for regular drivers.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude97<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Collision and all-perils<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Vehicle protection \u2014 collision, theft, fire, vandalism. Typical deductible <strong>$500 to $1,000<\/strong>. Operating losses (revenues) if vehicle is immobilized.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\uddf3<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Passenger Effects<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Suitcases, equipment, personal items left in the vehicle \u2014 covered against theft, loss or damage during the ride.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfa5<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Dashcam (10-25% discount)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Front-rear dash cam \u2014 proof in case of claim, protection against passenger fraud. Most QC insurers offer a significant discount. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude91<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Extended medical expenses<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Supplement to SAAQ benefits for passenger medical expenses \u2014 injuries, ambulance, long-term care, out-of-Quebec expenses if long-distance trips.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Steps-to-get-your-license-and-insurance\"><\/span>Steps to get your license and insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">SAAQ Class 4C licence<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Obtain a <strong>class 4C<\/strong> driver&#8217;s licence from the <a href=\"https:\/\/saaq.gouv.qc.ca\/\" rel=\"nofollow noopener\" target=\"_blank\">SAAQ<\/a> \u2014 theory + practical test. Criminal record checked, minimum driving seniority 3 years. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Registration as a guarantor with the CTQ<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Registration with the <strong>Commission des transports du Qu\u00e9bec<\/strong> (CTQ) or membership in an authorized guarantor (classic taxi, Uber Canada, Eva Qu\u00e9bec, etc.).<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Insurance with PL-250 endorsement<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Our Assur360 brokers shop around with insurers that offer the PL-250 endorsement and cover VTC drivers \u2014 few options available in Quebec.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Activation on the platform<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Upload proof of compliant insurance to Uber, Lyft, Eva \u2014 activate your driver profile and start rides.<\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Install a front-to-back dashcam<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">A quality front-to-back dashcam ($<strong style=\"color:#ffffff;\">200 to $400<\/strong>) often gives you a <strong style=\"color:#ffffff;\">10% to 25%<\/strong> discount on your annual insurance. It also protects against false passenger claims and speeds up your procedures in the event of an actual accident. Investment pays off in less than 6 months.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quebec-TaxiVTC-Insurance-Rates-2026\"><\/span>Quebec Taxi\/VTC Insurance Rates 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Driver<\/th>\n Type<th style=\"padding:14px 16px;text-align:left;border:none;\">Usage<\/th>\n<th style=\"padding:14px 16px;text-align:left;border:none;\">Vehicle<\/th>\n<th style=\"padding:14px 16px;text-align:left;border:none;\">Annual premium approx.<\/th>                        \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Part-time<\/td>\n VTC driver<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Less than 20 hours\/week<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Mid-range<\/td>\n sedan<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$2,500 to $4,500<\/td>                        \n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Full-time<\/td>\n VTC driver<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">40+ h\/week<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Mid-range<\/td>\n sedan<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$4,500 to $7,500<\/td>                        \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Traditional Owner<\/td>\n Taxi<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Full-time<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Dedicated<\/td>\n taxi vehicle<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$5,500 to $9,000<\/td>                        \n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">SUV\/Van (VIP Service)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Full-time<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Full-capacity<\/td>\n SUVs<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$6,500 to $11,000<\/td>                        \n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates for 2026, vary according to driving record, territory and platform. <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-taxi\/\">Exact quote in 3 minutes<\/a>.<\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Risk of refusal if the application does not comply<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">Driving on a VTC platform (Uber, Lyft, Eva) with only a <strong>personal policy<\/strong> = any claim during a ride is refused. The driver is <strong>personally liable<\/strong> for damage to his vehicle, his passenger and third parties \u2014 possibly hundreds of thousands of dollars. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">SAVE UP TO 25%<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Is your current premium competitive?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Free comparison with dashcam and telematics. Real savings for experienced drivers. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-taxi\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Compare my premium<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Regions-served-in-Quebec\"><\/span>Regions served in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Assur360 insures taxi, Uber, Lyft and Eva drivers in all regions where these services operate \u2014 <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>Thetford Mines<\/strong>, Longueuil, L\u00e9vis, Drummondville, Rimouski, Saint-Hyacinthe. Our brokers know the particularities of each territory \u2014 high demand in Montreal, tourist clientele in Quebec City, airport areas \u2014 and adapt coverage according to your main area of activity. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-Articles-and-Pages\"><\/span>Related Articles and Pages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Personal car insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">If you use your car only for personal purposes.<\/p>\n  <\/a>\n  <a href=\"\/assurance-auto-commerciale\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Commercial Auto Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Vehicles used in the context of a business (fleet, delivery).<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Trucking Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Transportation of goods, heavy trucks and commercial vehicles.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/second-chance-car-insurance-to-credit\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Substandard Auto<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Difficult driving record? We have suitable solutions. <\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Taxi-insurance-Uber-Lyft-Eva\"><\/span>Frequently asked questions \u2014 Taxi insurance, Uber, Lyft, Eva<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does my personal car insurance cover my Uber rides?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Absolutely not. Any personal auto policy explicitly excludes <strong>paid commercial use<\/strong>. If an accident occurs during a ride (even at a pending stop), your claim will be denied and you will be <strong>personally responsible for<\/strong> all damages. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does Uber already provide insurance to the driver?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Uber offers <strong>$2 million in top-up<\/strong> liability coverage during certain phases of the business, but <strong>you still need to have your own PL-250 endorsement policy<\/strong> in Quebec. Without your compliant insurance, Uber won&#8217;t let you activate the driver profile. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the PL-250 endorsement?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>The PL-250<\/strong> is a mandatory endorsement in Quebec that classifies your vehicle as being used for remunerated transportation. It activates the appropriate coverage (enhanced liability, commercial collision) and is required to declare your activity to the guarantor (Uber, Lyft, Eva, classic taxi). <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I need to have an SAAQ Class 4C license?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. Since October 2020, <strong>all paid transport drivers<\/strong> in Quebec must hold a <strong>Class 4C<\/strong> licence \u2014 SAAQ theory and practical test, criminal record check, minimum driving seniority. Uber Canada, Eva Quebec and Lyft drivers are no exception. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does a dashcam really lower the premium?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes \u2014 most Quebec insurers give a <strong>10% to 25% discount<\/strong> for a compliant front-to-back dashcam. It also protects against false passenger claims and speeds up the processing of your real claims. Typical investment: $250 to $400.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does insurance cost for a part-time VTC driver?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">For less than 20 hours of paid driving per week, count <strong>$2,500 to $4,500 per year<\/strong> for a mid-range sedan with a clean backrest. A comparison at Assur360 can reduce this amount significantly. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">My driving record has points \u2014 can I still get a policy?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, but the premiums will be higher. At Assur360, we also have <a href=\"https:\/\/www.assur360.ca\/en\/second-chance-car-insurance-to-credit\/\">specialized sub-standard<\/a> partners who accept drivers with past infractions or suspensions. Contact us for a confidential evaluation.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I use the same family vehicle and Uber?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, it&#8217;s common. The PL-250 endorsement allows for <strong>mixed personal\/commercial<\/strong> use, as long as you correctly declare the percentage of paid driving. Be transparent about actual hours \u2014 underreporting invalidates coverage in the event of a claim.  <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Mon assurance auto personnelle couvre-t-elle mes courses Uber ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Toute police auto personnelle exclut l'usage commercial r\u00e9mun\u00e9r\u00e9. Toute r\u00e9clamation pendant une course sera refus\u00e9e et vous serez personnellement responsable.\"}},{\"@type\":\"Question\",\"name\":\"Uber fournit-il d\u00e9j\u00e0 une assurance au chauffeur ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Uber offre une couverture compl\u00e9mentaire RC 2 M$ mais vous devez d\u00e9tenir votre propre police avec avenant PL-250 au Qu\u00e9bec.\"}},{\"@type\":\"Question\",\"name\":\"Qu'est-ce que l'avenant PL-250 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le PL-250 est un avenant obligatoire qui classifie le v\u00e9hicule comme utilis\u00e9 en transport r\u00e9mun\u00e9r\u00e9. Il active les protections RC rehauss\u00e9e et collision commerciale.\"}},{\"@type\":\"Question\",\"name\":\"Dois-je avoir le permis SAAQ classe 4C ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Depuis octobre 2020, tout chauffeur de transport r\u00e9mun\u00e9r\u00e9 au Qu\u00e9bec doit d\u00e9tenir un permis classe 4C.\"}},{\"@type\":\"Question\",\"name\":\"Une dashcam fait-elle vraiment baisser la prime ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. La plupart des assureurs accordent un rabais de 10 % \u00e0 25 % pour une dashcam avant-arri\u00e8re conforme.\"}},{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte pour un chauffeur VTC \u00e0 temps partiel ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pour moins de 20 h r\u00e9mun\u00e9r\u00e9es par semaine, comptez 2 500 $ \u00e0 4 500 $ par ann\u00e9e pour une berline moyenne gamme.\"}},{\"@type\":\"Question\",\"name\":\"Dossier avec points \u2014 puis-je avoir une police ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Assur360 a des partenaires sous-standards qui acceptent les chauffeurs avec infractions pass\u00e9es.\"}},{\"@type\":\"Question\",\"name\":\"M\u00eame v\u00e9hicule pour famille et Uber ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. L'avenant PL-250 permet un usage mixte, tant que vous d\u00e9clarez correctement le pourcentage de conduite r\u00e9mun\u00e9r\u00e9e.\"}}]}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> quotes completed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>PL-250 &#038; VTC<\/strong> Specialists<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Sub-standard<\/strong> solutions<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\">Service <strong>in French<\/strong> throughout QC<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Insure your paid transportation activity<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Taxi, Uber, Lyft, Eva \u2014 SAAQ-compliant PL-250 endorsement. Submission in 3 minutes. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-taxi\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Call a broker<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assurance auto\",\"item\":\"https:\/\/www.assur360.ca\/assurance-auto\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assurance taxi\",\"item\":\"https:\/\/www.assur360.ca\/assurance-taxi\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Whether you drive a traditional taxi, are an Uber, Lyft, Eva, T\u00e9o Taxi driver or operate your own paid carpooling service in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":46386,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Uber Lyft Eva Taxi Insurance 2026 QC | PL-250 compliant","_seopress_titles_desc":"Taxi insurance, Uber, Lyft, Eva Qu\u00e9bec: PL-250 endorsement, $2 million RC, 25% discount dashcam. 3-minute quote, SAAQ 4C. 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Free quote in 3 minutes.","_seopress_social_twitter_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/og-comparateur-assurance-quebec.jpg","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"Assurance taxi","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-15747","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15747","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=15747"}],"version-history":[{"count":17,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15747\/revisions"}],"predecessor-version":[{"id":57858,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15747\/revisions\/57858"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/46386"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=15747"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}