Optional Injury Protection Overview

Drive with confidence and secure your financial future with Optional Injury Protection. This insurance, offered through Uber’s partner Aon, provides a safety net at a cost of under four cents per mile.

Benefits include:

Medical expenses: Coverage up to $1,000,000 without the need for deductibles or copays.
Disability payments: Get up to $500 per week if a covered accident affects your income.
Survivors benefits: Protect your family’s financial security in case of a fatal accident.

Optional Injury Protection helps cover unexpected medical bills and lost income due to a qualifying accident, ensuring fewer financial worries for you and your loved ones.

Cost of the program

For drivers in passenger vehicles, the coverage costs under 3 cents per mile ($0.024 per mile). These charges apply only for miles driven during a trip or while delivering an order.
Premiums, computed based on these miles, can change but you’ll be notified ahead of any rate adjustments. At the end of each trip, the cost is rounded to the nearest cent.

Coverage period

You’re covered:

While online and ready to accept trip/delivery requests
On route to pick up passengers or deliveries
During a trip or delivery with the Uber app

Please note that you’re not protected while performing services for other companies or when driving for personal reasons.

Exclusions apply, as with most insurance policies. For details, refer to the full insurance policy.

How to enroll

Enrolling is quick and simple. Sign up 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 visit the enrollment page here.

Additional information

If you have further questions, check our FAQ, or reach out via email here.

This overview is a summary. For complete details, including exclusions and limitations, refer to the actual policy. Insurance services are not performed by Uber but by Aon Affinity. Coverage is underwritten by Atlantic Specialty Insurance Company.
Aon Affinity is responsible for the brokerage and administration of this program, with various identifiers based on location.
For Missouri Enrollees: Your premium rates may vary depending on your mode of transportation for delivery and overall group experience. Coverage will remain steadfast irrespective of participants’ health changes. A 60-day notice will be provided for any premium rate changes.