Should I tell my insurance company that I carpool?

It is a good idea to confirm your coverage directly with your insurer.

Explain that you participate in cost-sharing carpooling, where passengers contribute toward trip expenses, rather than providing on-demand taxi or ride-hailing services.

Provincial legislation may distinguish these activities, but your actual insurance coverage also depends on the terms of your policy. Ontario, for example, specifically recognizes expense-sharing carpool vehicles in its passenger-transportation framework.