Accident insurance from Chubb

Sometimes accidents happen, so it’s good to know that you’re protected. As a rider, you are protected against medical costs arising from bodily injuries you may suffer. You are protected from the point when you’ve got a pick up confirmed right through to the completion of a trip.

Coverage while On-Trip
You are covered from the moment your driver accepts your request for a trip, through to when the trip ends or is cancelled.
Who is covered:
All Uber riders, passengers, and drivers are insured. Coverage is subject to conditions and limits.

How it works?

You pay nothing
As part of our global commitment to safety we have partnered with Chubb to provide all riders, and partner drivers with this protection. That’s why this insurance is free to you.

Your driver is insured too
While on an Uber trip in Pakistan, your drivers are also automatically covered by injury protection insurance at no cost to them, up to certain limits.

What are the key features of cover?
Partner Injury Protection provides cover for specific events that occur while a Partner is On-Trip. The key features are listed below. For full details please read this information from Chubb.

1. Medical cover: If an accident happens On-Trip, this cover reimburses you for necessary medical costs you have incurred following the accident (e.g. X-ray, operations, medicines) up to a capped sum. In addition, this cover provides you with an immediate small lump sum payment to cover your basic medical treatment needs.  An ambulance service cost is also available for reimbursement.

2. Death and funeral payments: In the unfortunate event that you die as a result of an accident On-Trip, your dependents or heirs will benefit from a lump sum payment. They will also obtain an additional lump sum amount for any incurred Funeral Expenses.

3. Permanent Disability payments: In the unfortunate event that you suffer a permanent disability as a result of an accident On-Trip, you will benefit from a lump sum payment. The amount depends on the severity of the disability, as determined by Chubb.

4. Daily Payment Benefit (injury): If you are hospitalised for more than 24 hours as a result of an accident that happened On-Trip and are thereafter unable to work because of your injuries, you will receive a daily payment) for up to 30 days whilst you are medically certified by a Doctor as unfit to work.

*Note: All above covers are subject to prescribed conditions and limits, which Uber may amend at its discretion.

This insurance is provided to you subject to the following terms:

1. Uber may withdraw, update or modify this insurance at any time in its sole discretion. 

2. This insurance is procured by Uber at its own discretion and cost. 

3. Drivers Partners shall not in any way be responsible or liable for any payments or premiums relating to the insurance whatsoever.

4. The Driver Partner and Uber acknowledge and agree that the Driver Partner can decide to opt-out from being covered by the Insurance at any time by indicating they are declining the protection of the cover upon notice or request. Declining cover will not affect your ability to use the Uber App.

5. Driver Partners are independent contractors. This Insurance does not in any way create an employment relationship or an expectation of employment (including from a labour law, tax law or social security law perspective) between Uber and the Driver Partner.

Sometimes accidents happen on the road. We want to help you protect yourself against unexpected costs and lost earning opportunities due to accidental injuries sustained while you’re On-Trip. We are proud to be industry leaders with Chubb in being your partner on the road.

No, Partner Injury Protection does not provide commercial vehicle insurance nor is it a substitute for comprehensive vehicle insurance. Please contact your insurer, broker or agent if you have any questions regarding your motor insurance.

You are protected from the moment you accept a trip request, during the trip and through to when the trip ends. Please visit this link to see the full policy details.

You do not need to do anything. You are protected whenever you’re On-Trip using the Uber App as of January 1st 2020.

Like most insurance policies, Injury Protection has some general and cover-specific exclusions. Please read the full policy details and exclusions here [link to Chubb partner notice]. 

To Uber through the Uber app; (Information you provide may be shared with Chubb)

Via telephone to Chubb Insurance Claims department

 0800 54321 or +92 (0) 21 111 789 789 (Working Hours – 08:30 a.m. to 05:30 p.m. Working Days: Monday-Friday)

By Mail/Post

Addressed To Claims Department, N.I.C. Building,
6th Floor, Abbasi Shaheed Road, Off Shahrah e Faisal, Karachi, 74400 ,
Pakistan Or on email: Pakistan@chubb.com