For those of you that have been following the conversation on Facebook in respect to designated driver insurance coverage, please note, we have removed the posts viagra comparatif. It has come to our attention that the inquiry was from an individual who has just recently started a designated driving service. The Driving Alternative Inc. o/a Keys Please® does carry a five million dollar commercial general liability insurance coverage. The coverage he is offering is not of the same standards offered by The Driving Alternative Inc..
There has been a lot of media in regards to Ride Share insurance. The Driving Alternative Inc. is NOT a ride share service. We are a designated driving service where we drive you in YOUR vehicle. We are proud of our transparency and make the following statement:
You should always check with your broker and or insurance company in respect to your vehicle coverage.
As per the Senior Consumer Information Officer of the Insurance Bureau of Canada, their information is as follows:
The SPF.#1 – Alberta Standard Automobile Policy is the contract that the owner of a vehicle is required by law to have in place if he/she wants to drive a vehicle. This contract covers the owner of the vehicle as an “Insured”. The definition of “Insured” includes, “…,every other person who with his consent personally drives the automobile, ….against the liability imposed by law upon the Insured or upon any such person for loss or damage arizing from the ownership, use and operation of the automobile…” Therefore, if your driver has the permission of the owner/insured to drive him home in his/her own automobile, it follows that your driver is an “Insured” under the terms of the contract. Insofar as you or your designated driver has no insurable interest in the automobile you cannot insure it.
You cannot buy a SPF #1 policy to cover the vehicles your designated drivers may drive. There is no need to do so as they are already covered by the policy that the owner has on the vehicle.
Update August 10, 2015
The Driving Alternative Inc. contacted the Insurance Bureau of Canada to inquiry if there has been any change in the information supplied from them previously. The reply was as follows:
Nothing has changed. As long as the owner has given you permission to drive their vehicle, you are in the same shoes as the owner of the vehicle.
Remember we are NOT a Ride Share Service.
If you have any questions please contact YOUR insurance company or broker.