Partner Protection Insurance with AXA

Partner Protection provides cover for specific events that occur while a partner is On-Trip and for specific events while Off-Trip.

The key features are summarised below. For full details please read the AXA Notice.

1) Features of cover relating to Accidents that happen On-Trip:

Medical cover: This reimburses expenses you have incurred for any medical costs not covered by normal public healthcare services, and gives you the comfort of being able to instantly obtain a variety of related private medical services on top of normal public healthcare services (e.g. Physiotherapy, Rehabilitation, Doctor second opinion).

Inconvenience payment (hospitalisation): If you are hospitalised for more than 24 hours you will receive a lump sum payment.

Inconvenience payment (injury): If you are unable to work as a result of an accident On-Trip, you will receive a daily payment for up to 30 days whilst you are medically certified by a doctor as unfit to work.

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. In addition Funeral expenses will be reimbursed.

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).

2) Features of Cover relating to Events that happen Off-Trip:

Severe Sickness & Injury Compensation: If you suffer a serious illness or injury at any time and you are medically certified by a doctor as unfit to work for over 7 days you will be eligible to receive a daily payment for up to 15 further days. (Please note, the first 7 days are not included, coverage starts from day 8.)

Maternity / Paternity One-off payment: On the happy occasion of the arrival of a new child you will receive a one-off payment.

Jury Service One-off payment: If you are required to attend on a Jury, you will receive a one off payment.

Independent work provides flexible earning opportunities. We want to help you protect yourself from the risk of major costs or lost income — because life-changing events like injury, sickness or having a baby shouldn’t have to come with additional financial stress. We are proud to be industry leaders with AXA in establishing stable flexibility for the gig economy.

This program is automatically provided at no cost to all eligible independent driver and delivery partners in France and provides additional protections beyond those required by the El Khomri law. The insurance program launched last year for independent partners requires an action to “Opt-in” and provides the On-Trip Medical Cover, Death and Disability coverages only.

Only independent/self-employed Uber partners are eligible for Partner Protection. For this program, a self-employed partner is one that uses the Uber app under a service contract that they entered into directly with Uber BV, Rasier Operations BV or Uber Portier BV, and is not an employee of a transport company such as a taxi or limousine fleet owner. Partners who are the principal of a business entity and the only individual employed by such entity to provide Transportation/Delivery Services may qualify. For full policy details and exclusions please visit this link.

Partner protection is provided in the following EU countries where Uber operates Rides and/or Eats. At 1st June 2018 this includes the UK, France, Germany, Austria, Belgium, Croatia, Czech Republic, Estonia, Greece, Ireland, Italy, Lithuania, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Spain, and Sweden.

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

On-Trip: From the moment of accepting a trip or food delivery request through to completion of that request and for 15 minutes after it has completed.

Off-Trip: Any time when you are not providing Transportation or Delivery Services using the Uber app.

Off-Trip Covers only apply to “Active Uber Partners”. See eligibility requirements below.

There’s no need to sign up — all eligible independent partners are automatically protected by the insurance, at no cost to you.

Covers for Accidents that happen On-Trip apply for all independent partners from the moment of accepting a trip or food delivery request in the Uber App through completion of that request, and for 15 minutes after it has been completed.

For eligible active partners the program also provides additional income protections for specific life events that can occur at any time. For full policy details and exclusions please visit this link.

Like most insurance policies, Partner Protection has some general and cover-specific exclusions. Please read the full policy details and exclusions here. For example, every Partner is limited to making a maximum of two (2) claims for severe sickness & injury in any 12 month period and the first 7 days of each sickness & injury claim are not covered (cover starts from day 8 for up to 15 further days). No payment will be allocated if you have undertaken trips during the period mentioned in the doctor’s certificate.

You can file a claim using a simple AXA online claims form located in the help section of the partner Uber app. After you submit your claim, you’ll receive an AXA confirmation email with your claim number, claim adjuster’s contact information and a list of additional documents you may need in order for AXA to process your claim.

On-Trip: All independent Uber partners are eligible for the benefits specified as “On-Trip” coverage in the Coverage table.

Off-Trip: To be eligible for the benefits specified as having “Off-Trip” in the coverage table, you must be an “Active Uber Partner”, having completed 150 trips in the previous 8 weeks if you are Driver Partner, or 30 trips in the previous 8 weeks if you are a Delivery Partner.

For Maternity Cover, if you are the natural mother of the child (and may need additional time off before the birth), we have extended the threshold to 6 months, in which you must have completed 300 trips if you are Driver Partner, or 60 trips in the previous 8 weeks if you are a Delivery Partner.