We understand your safety concerns while on the road, and we want you to know that you are taken care of during an Uber trip.
Each time you take a trip booked through the Uber App, the trip shall be insured by Tata AIG General Insurance company, against accidental bodily injury, whether you commute in a 2, 3, 4-wheeler, or Shuttle.
The insurance provides coverage for medical expenses, permanent disability, partial disability, and death, in case an accident occurs while you are on a trip arranged through the Uber App. This helps to protect you and your loved ones when an unforeseen accident occurs.
Description and Scope of Insurance Cover:
For Earners: The coverage starts from the time an Earner accepts a trip request from a Rider through the Uber App, and ends after the completion of the Transportation Service (being when the last passenger leaves the Earner’s registered vehicle or before the request for the Transportation Service is canceled, whichever occurs earlier)
For Riders: The coverage starts from the point the rider onboards the vehicle booked on the Uber App and lasts for the duration of the trip until the rider leaves the vehicle.
You pay nothing
As part of our global commitment to safety, we have partnered with Tata AIG to provide earners with protection under this program. That’s why Uber is maintaining this Personal Accident Insurance program.
What are the key features of the cover?
The key features are listed below.
Medical treatment: If an accident happens while you are on an Uber trip, this cover reimburses the medical treatment costs that you may incur within 26 weeks up to a capped sum.
Death benefit: In an unfortunate event of death within 90 days as a result of an accident while on an Uber trip, your dependents or heirs will be entitled to a lump sum payment.
What are the limits of the cover*?
- Accidental Death: INR 5,00,000
- Accidental Disability (Permanent/Partial): Up to INR 5,00,000
- Accidental Medical Expenses: Up to INR 2,00,000 (Hospitalization + Outpatient )
*please refer to the insurer’s policy summary for terms, conditions and further information.
Does Uber maintained Personal Accident policy replace the earner’s own vehicle motor insurance?
No, earners are required to purchase and maintain compulsory motor vehicle insurance, when they are using their registered vehicle on an Uber trip.
How to report the accident to Uber?
Earners or Riders can go to the Past Trips section in-app and provide feedback on the ride. To navigate in the Uber app, go to the menu and select Account> Trips> Select the Trip you have an Issue> Select ‘Report Safety Issue’> Select ‘I was involved in an accident’ and answer the accident-related questions.
Uber’s incident response team will review the information you submitted, investigate the accident and revert back to you to confirm the next steps.
Our round-the-clock in-app customer support is designed to provide you with specialized support and fast response.
Earners or riders can make a reimbursement or cashless claim directly with the Tata AIG General Insurance Company Pvt Ltd for an accidental injury occurred on an Uber trip.
To avail the cashless treatment, you can visit Tata AIG network hospitals listed here and contact TATA AIG customer support desk to facilitate the cashless treatment request.
Tata AIG Customer Support Desk
Tel：(+91) 040 66874600 or
Hour： Monday～Friday ９AM～5PM
Operator not available on Saturday, Sunday, Public Holiday
Please convey the following information while making a claim report
- Your name registered with Uber
- Your phone number registered with Uber
- Your email address registered with Uber
- Date, time, and location (street name and nearest cross roads) of the Accident
(i) Uber is the master policyholder of a group insurance policy covering 2, 3, 4-wheelers or Uber Shuttle vehicle trips issued by Tata-AIG General Insurance Company Limited (“TATA-AIG”)
(ii) TATA-AIG is responsible for payment of claims to the Riders and/or Earners arising under their respective policies. Uber is not responsible to the Earners and/or Riders for making payment of claims arising out of the policies
(iii) The content presented herein is for information purposes only and should not be considered as advice or solicitation or recommendation by Uber or its affiliates to any person for buying or availing of any insurance products.
(iv) Neither Uber nor any of its affiliates are engaged in the business of provision, sale, or distribution of any insurance products.
(v) Uber is not an authorized insurance company, insurance broker or another insurance intermediary, and Earners/Riders should source their own advice.