OPTIONAL INJURY PROTECTION OVERVIEW
Get peace of mind while you drive and deliver. For less than four cents a mile, Optional Injury Protection helps minimize the financial impact an accident could have on you and your family. This insurance program is offered by Uber's partner Aon.
This insurance offers several important accident benefits for partners including:
- Medical expenses: Up to $1,000,000 with no deductible or co-pay
- Disability payments: Up to $500 a week in income replacements for lost earnings
- Survivors benefits: Offering peace of mind for your family's financial security
Protecting yourself against unforeseen medical expenses and eligible earnings loss resulting from a covered accident with affordable Optional Injury Protection can be a smart financial move, and can help minimize the economic impact that an accident would have on you and your family.
COST OF PROGRAM
For drivers using a passenger vehicle, coverage costs less than 4 cents per mile ($0.0375 per mile). You are only charged for miles when you are on-trip or on your way to drop off an order. Premium is calculated based on miles traveled while you're on a covered trip or delivery.
This rate is subject to change. If a change occurs, insureds will be notified in advance. Premium is rounded at the end of each trip to the nearest cent.
WHEN AM I COVERED?
Coverage starts as soon as you have enrolled and meet the eligibility requirements. Although you are only charged while you are on-trip or on delivery, you are protected for injuries covered by the policy while:
- You are online, including when you are available for trip/delivery requests
- En route to pick up a passenger/delivery, or
- On a trip/delivery using the Uber app.
You are not covered when you are performing services for another company, nor when driving your vehicle for pleasure.
Like most insurance policies, Optional Injury Protection has some general and benefit-specific exclusions. For details, visit uber.com/drive/insurance/injury-protection
HOW TO ENROLL
It's fast and easy to enroll through the Insurance section of the Uber Driver app by tapping "Learn more" under Optional Injury Protection (go to Account > Insurance > Optional Injury Protection), or you can see the link below.
More questions? See the FAQ's in the link below, or email DriverProtection@aon.com
All Coverages are subject to the policy terms, conditions, limitations and exclusions. If there is a conflict between the information shown here and the actual insurance policy, the policy will govern. Aon Affinity is offering this optional coverage to Uber drivers and delivery persons. The policy is underwritten by Atlantic Specialty Insurance Company. Uber Technologies is not an insurance provider and is not performing any insurance services.
Aon Affinity is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc. (TX 13695); (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services Inc.; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency.
For Missouri Enrollees: Premium rates may differ based on the mode of transportation used for delivery. Rates are calculated on the basis of experience within the entire group. Individual coverage will not be cancelled or non-renewed due to the deterioration of the health of participants. Any change in premium rates will be communicated to the Policyholder and the approved Platform Operator with written notice sixty (60) days in advance of the premium due date.