A - Alberta TNC

Question 1

ALBERTA TNC

2 exceptions when TNC coverage does not apply when the policy has been purchased

Answer 1

1) When passenger have street-hailed a ride.
Coverage applies only when booked on TNC app.

2) if transporting cargo

Question 2

ALBERTA TNC

As a TNC driver, 1 action you are obligated to do with your own insurer.

2 actions your own insurer may take.

Answer 2

Obligated to NOTIFY THEM that you are a TNC driver.

1) May charge additional premium
2) May decide to terminate the policy.

Question 3

ALBERTA TNC

Are insurers obligated to offer spf9?
Are TNC obligated to purchase spf9?

Answer 3

No

No

Question 4

ALBERTA TNC

How a customer may confirm TNC has appropriate coverage

Answer 4

1) confirm that TNC is properly licensed as some cities requires insurance to provide licenses.
2) review TNC’s insurance policy on the TNC’s website
3) ask the driver to show that he has the TNC insurance information form, which all driver should have
4) driver may have the insurance policy on their smartphone app.

Question 5

ALBERTA TNC

the 4 periods of use of the vehicle, the spf9 coverage and who to report the claim to?

Answer 5

0) personal use, driver not logged onto TNC network
-no coverage
Report to driver’s own insurer

1) driver logged on tnc but has not accepted a ride request
-1M TPL only if own insurer denies the coverage
- SABs
-no physical damage (eg coll)
Report to both TNC insurer and own insurer

2) driver has accepted a ride request and is en-route to pick up a passenger
-TPL
-SABs
-optional physical damage (eg coll)
Report to TNC insurer only

3) passenger being transported
-TPL
-SABs
-optional physical damage (eg coll)
Report to TNC insurer only