New Brunswick Insurance Policy

The subject of insurance can be a bit complicated at times, but it's important you know how and when our policies cover you and your riders in the event of an accident.

We have the below coverages included in our insurance policies (policy limits vary based on the period of a ride):

1. Automobile Liability Coverage
2. Statutory Accident Benefits Coverage
3. Uninsured Automobile Coverage
4. Direct Compensation - Property Damage Coverage
5. Contingent Comprehensive & Collision Coverage
6. Family Protection Coverage

How to report an accident

Report any accidents to us via our Slack Group.

What coverages does Zippy provide?

Automobile Liability Coverage

Our liability coverage is designed to act as the primary coverage during the time the Zippy Driver app is on and available to accept a ride request (known as "driver mode") until the ride has ended in the app. The policy provides coverage for bodily injuries or losses others may suffer in the event of an accident. The policy limits vary based on the period of a ride. Please reference "When do these coverages apply" below for applicable policy limits.

Statutory Accident Benefits Coverage

This provides Accident Benefits that you are entitled to receive if you are injured in an accident, regardless of who caused the accident.

Uninsured Automobile Coverage

In the event of an accident with a driver who is uninsured or underinsured and is ultimately at fault for bodily injury caused to you and/or your riders, our Uninsured coverage will apply. The policy limits vary based on the period of a ride. Please reference "When do these coverages apply" below for applicable policy limits.

Direct Compensation - Property Damage Coverage

This provides coverage for repairs to your vehicle, as well as related expenses in the event of an accident when a third party is responsible for the accident. The coverage will apply up to the actual cash value of your vehicle or cost of repair, whichever is less, subject to your degree of responsibility.

Contingent Comprehensive & Collision Coverage

Our contingent comprehensive and collision coverage is designed to cover physical damage to your vehicle resulting from a non-collision event (vandalism, natural disaster, etc.) or accident as long as you have obtained the coverages on your personal automobile policy. The coverage will apply up to the actual cash value of your vehicle or cost of repair, whichever is less. The policy has a $1,000 deductible.

Family Protection Coverage

This provides coverage for your dependent family members with insurance to cover any damages sustained in a motor vehicle accident.

NOTE: All coverages may be modified to comply with local regulations and/or provincial/territorial laws.

When do these coverages apply?

Personal use: Coverage when driver mode is OFF

Your personal insurance is your insurance policy.

Pre-Acceptance: Driver mode is ON but no ride accepted

The following coverages apply in this period:

• Automobile Liability: $1,000,000 per accident
• Statutory Accident Benefits
• Uninsured Automobile: $1,000,000 per accident
• Direct Compensation - Property Damage: Actual cash value or cost of repair, whichever is less (subject to your degree of responsibility)
• Contingent Comprehensive & Collision: Actual cash value or cost of repair, whichever is less ($1,000 deductible)

Post-Acceptance: Ride request accepted through till the end of the ride

The following coverages apply in this period:

• Automobile Liability: $2,000,000 per accident
• Statutory Accident Benefits
• Uninsured Automobile: $2,000,000 per accident
• Direct Compensation - Property Damage: Actual cash value or cost of repair, whichever is less (subject to your degree of responsibility)
• Contingent Comprehensive & Collision: Actual cash value or cost of repair, whichever is less ($1,000 deductible)

NOTE: All coverages may be modified to comply with local regulations and/or provincial/territorial laws.

What provinces and territories of Canada are covered by this policy?

This policy is only available in New Brunswick. Go to Zippy's Certificates of Insurance & Insurance Policies to download a copy of our Certificate of Insurance.

You are responsible for communicating to your insurance provider that you are using your vehicle for Transportation Network Company (TNC) purposes. Zippy is a TNC.

Zippy works with various partners to assist with auto insurance claims.