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Partner and Rider Injury Protection

Accident insurance from AIG

Sometimes accidents happen. So it’s good to know that you’re protected against medical costs and lost earning opportunities.

When you are covered?

Important information

Starting from the launch date

Partner & Rider Injury Protection: 1st July 2020.

Coverage while On-Trip

You are covered from the moment you accept a trip or delivery request, through to when the trip or delivery ends.

Who is covered?

All Uber driver partners, couriers and passengers are insured. Coverage is subject to conditions and limits.

How it works

What this means for you

Get help with medical costs if you’re injured in an accident while on an Uber trip. If your injuries stop you from driving, you can also get help with lost earning opportunities.

Insured for medical costs and lost earning opportunities

If you’re an Uber Driver Partner or Courier in Kenya, Partner & Rider Injury Protection can help you with medical expenses and other costs.

You pay nothing

As part of our global commitment to safety we have partnered with AIG to provide as many driver and courier partners as possible with this protection. That’s why this insurance is free to you.

Your customers are insured too

While on an Uber trip in Kenya, your passengers are also automatically covered by injury protection insurance at no cost to them.

How to use the insurance if you’re injured

If you’re injured in an accident while On-Trip and want to get help with your medical costs, please use the in-app claim form or contact AIG (see below).

Further documentation

For driver and delivery partners in Kenya

Full policy details and exclusions.

FAQ

  • Partner & Rider Injury Protection provides cover for specific events that occur while a Driver Partner, Courier or Rider is On-Trip. The key features are listed below. For full details please read this information from AIG.

    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.
    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.
    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 AIG.
    4. Daily Payment Benefit (injury): If you are hospitalised for more than 48 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 qualified doctor as unfit to work.
    5. Inconvenience Payment: If a Driver or Courier suffers Bodily Injury from an On-Trip accident which results in hospitalisation lasting a minimum of 24 consecutive hours the Insurer shall pay the Driver a lump sum payment.

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

  • CoverageCoverage PeriodKenya Limits - (KSH)
    Medical CoverOn-TripUp to: 125,000 Ambulance sub limit 50,000
    Death and repatriation paymentOn-TripDeath - 500,000 lump sum Funeral Expenses - 50,000
    Permanent Disability paymentOn-TripUp to: 500,000 lump sum.
    Daily Payment Benefit (injury)On-TripFor Partner Drivers: 900 / day, Delivery Partner: 500 / day, up to 30 days (following hospitalization for more than 48 hours).
  • 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 and Couriers shall not in any way be responsible or liable for any payments or premiums relating to the insurance whatsoever.
    4. The Driver Partner / Courier and Uber acknowledge and agree that the Driver Partner / Courier 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 and Couriers 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 / Courier.
  • Sometimes accidents happen on the road. We want to help you protect yourself against medical costs and lost earning opportunities due to accidental injuries sustained while you’re On-Trip. We are proud to be industry leaders with AIG in being your partner on the road.

  • We have been working closely with AIG to develop new products in Kenya. These product offerings are now available to Driver Partners in Kenya, and also to Couriers and Riders.

  • Yes, all Uber Driver Partners and Couriers are now covered by this insurance, but you can decline if you prefer (see the next question to find out how).

  • It is your decision whether you are covered by this insurance program. You are free to say “no” at any time with no consequences. If you decline, you will no longer be protected by Partner & Rider Injury Protection coverage, including help with medical costs and lost earning opportunities if you’re in an accident while on an Uber trip. If you’re sure you want to say “no” to the Partner & Rider Injury Protection program, click here to add your details and submit your request to decline. , or drop into your local Greenlight Hub.

  • Partner & Rider Injury Protection is provided in Kenya where Uber operates Rides and Eats.

  • No, Partner & Rider 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.

  • Cover is in place from the moment you accept a trip or delivery request, during the trip and through to when the trip or delivery 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.

  • Like most insurance policies, Partner & Rider Injury Protection has some general and cover-specific exclusions and conditions. Please read the full policy details and exclusions here

  • In the event you’ve been in an accident and think you might have a claim, please submit a claim via one of the following channels:

    • To Uber through the Uber app (information you provide may be shared with AIG);
    • By telephone to AIG Insurance Claims department on +254 (0) 20 3676 000 or + 254 (0) 20 3151 800 or + 254 723 600500
    • By Email: ClaimsKenya@aig.com

Further documentation

Driver Partners

Full policy details and exclusions.

Delivery partners

Dedicated to safety

When you drive with Uber, you get 24/7 driver support and insurance coverage. And all riders are verified with their personal information and phone number, so you’ll know who you’re picking up and so will we.

Get help

Let’s make every Uber trip hassle-free. Our support pages can help you set up your account, get started with the app, adjust fares, and much more.

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 and Delivery Partners shall not in any way be responsible or liable for any payments or premiums relating to the insurance whatsoever.
  4. The Driver/Delivery Partner and Uber acknowledge and agree that the Driver/Delivery 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 and Delivery 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 or Delivery Partner.