The Insurance Bureau of Canada (IBC) has drawn up documents aimed at helping provinces embrace ride-sharing services such as Uber.

The association of property and casualty insurers has sent a three-page proposal, setting out minimum insurance requirements and types of activities covered, to politicians and bureaucrats in Ontario and Alberta.

“Earlier this year we set up a subcommittee to look at how coverage would look for transportation network companies,” IBC spokesman Steve Kee told insuranceNEWS.com.au.

“After consulting with our members we created a legislative framework, which is available to the provinces to make decisions about potential regulation.

“Our concern over the past few months has been with potential gaps in insurance coverage for drivers who were using their personal vehicles and not having commercial coverage.”

The Alberta and Ontario governments are reportedly considering the IBC document – the provinces would have to make legislative changes to allow insurers to sell Uber-tailored products.

Canadians are believed to take more than 1 million Uber rides a month.

The service has been given a mixed response across the nation, with the city of Ottawa maintaining it is illegal.

“My No.1 message is always to have potential transportation network company drivers check with their insurance reps,” Mr Kee said.