AB.TNC

Question 1

What is the purpose of Alberta’s SPF9 (Standard Policy Form 9)?

Answer 1

SPF provides auto insurance for Transportation Network Companies (TNCs) and their authorized TNC drivers

Question 2

What insurance must a driver have who provides ride-sharing services?

Answer 2

• Personal insurance (for normal personal use)
• Insurance through their TNC (for periods when they are providing ride-sharing services)

Question 3

Describe the “use periods” related to SPF9 (4)

Answer 3

Use period 0: Personal uses - driver is NOT logged in to the TNC app (driver’s own insurer is liable for accident). Coverage depends on the personal policy of the driver

Use period 1: Driver IS logged in to the TNC app, but has not accepted a ride (if driver’s own insurer denies claim, then TNC insurer is liable). TNC coverage is: TPL (limited to 1M of coverage), Accident Benefits, NO PHYSICAL DAMAGE

Use period 2: driver HAS accepted a ride and is en route (TNC insurer is liable). TNC Coverage is: TPL, Accident Benefits, Optional Physical damange

Use period 3: passengers are IN vehicle (TNC insurer is liable). TNC Coverage is: TPL, Accident Benefits, Optional Physical damange

Question 4

Identify coverage triggers that BEGIN and END accident benefits coverage under SPF9

Answer 4

Begin coverage: driver logs in the TNC app
Ends coverage: driver logs out (or last passenger exits vehicle)

Question 5

Pieces of information that TNC must make available to the public and consumers (3)

Answer 5

• A proper municipal license
• A valid auto insurance policy (on website or driver’s smart phone)
• IIF (Insurance Information Form) via driver’s smart phone

Question 6

Purpose of IIF (Insurance Information Form)

Answer 6

Provide basic information to ride-sharing passengers about the driver and their insurance coverage

Question 7

Basic layout of IIF (Insurance Information Form) (4)

Answer 7

• Name of insured / insurer
• Policy #
• Policy effective / expiration date
• Vehicle description

Question 8

Identify situations where SPF9 purchased by a TNC would NOT provide coverage when the driver IS logged in

Answer 8

1. When the driver is carrying street-hailed passengers (so passengers that did not use the app)
2. When the driver is transporting merchandise

Question 9

In the event of an accident, describe the exchange of information required between the TNC, insurance company, and insurance brokers
[accident + electronic info]

Answer 9

Accident info: dates, times, circumstances
Electronic info: precise times when driver was logged in and logged out of TNC app

Question 10

Issues and dangers associated with ride-sharing technology

Answer 10

Ride-sharing must ensure that drivers have proper coverage to protect drivers and consumers

Competitive impact to traditional taxi-drivers and taxi companies could be devastating