Injury Protection
Accident insurance from AXA
Sometimes accidents happen. So it’s good to know that starting October 1, 2018, you’re protected against medical costs and lost earning opportunities, subject to the cover's terms and conditions.
Important information
When you are covered
Starting from the launch date
Injury Protection starts on October 1, 2018.
Coverage while On-Trip
You are covered from the moment you accept a trip or delivery request, through to when the trip ends or the delivery is completed.
Who is covered
All drivers using Uber 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 a driver using Uber in Qatar, 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 AXA to provide as many drivers as possible with this protection with Uber being the policyholder. That’s why this insurance cover is at no cost to you.
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 AXA (see below).
FAQ
- What are the key features of cover?
Injury Protection provides cover for specific events that occur while On-Trip. The key features are listed below. For key details please read this information from GIG.
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.
Death and repatriation 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.
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 GIG.
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, exclusions and limits, which Uber may amend at its discretion in its capacity as the policyholder.
- What are the limits of coverage?
Down Small Coverage Coverage Period Limits Medical Cover On-Trip Up to QR 30,000 reimbursement Death and repatriation payment On-Trip QR 100,000 lump sum. + QR 5,000 for body repatriation reimbursement. Permanent Disability payment On-Trip QR 100,000 lump sum. Daily Payment Benefit (injury) On-Trip For driver only: QR 75 /day up to 30 days (following hospitalization for more than 24 hours). - What are the terms & conditions?
Down Small This insurance is provided to you subject to the following terms:
- Uber may withdraw, update or modify this insurance at any time in its sole discretion.
- This insurance is procured by Uber at its own discretion and cost as the policyholder, and therefore Uber is not the provider of insurance nor is it acting as a broker or an agent of the insurance provider.
- Drivers shall not in any way be responsible or liable for any payments or premiums relating to the insurance whatsoever.
- The Driver and Uber acknowledge and agree that the Driver 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.
- Drivers s 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.
- Why is Uber doing this?
Down Small 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 AXA in being your partner on the road.
- What does today’s announcement mean?
Down Small We have been working closely with AXA to satisfy our insurance requirements in Qatar. AXA's new product offerings are now available to drivers in Qatar. The new program launches on the October 1, 2018. Coverage is effective on the same day.
- Can all Uber drivers be covered with this insurance?
Down Small Yes, all Uber drivers are now covered by this insurance, but you can decline if you prefer (see the next question to find out how).
- I don’t want this insurance. How do I say “no”?
Down Small 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 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 Injury Protection program, click here to add your details and submit your request to decline, or drop into your local Greenlight Hub.
- Where is Injury Protection provided?
Down Small Injury Protection is provided in the following countries where Uber operates Rides and/or Eats. Today Injury Protection is available in Pakistan, Qatar, Bahrain, Jordan, South Africa, Saudi Arabia, and Egypt.
- Does Injury Protection replace my own commercial vehicle motor insurance?
Down Small No, 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.
- Does Injury Protection replace my own Medical Insurance Policy?
Down Small No, medical treatment cover is not a substitute for a medical insurance policy. The cover provided for medical treatment is related to accidents that happen On-Trip only.
- What does “On-Trip” mean? When am I covered?
Down Small Cover is in place from the moment you accept a trip or delivery request, during the trip and through to when the trip ends or the delivery is completed. Please visit this link to see the key policy details.
- How do I activate my coverage?
Down Small You do not need to do anything. You are protected whenever you’re On-Trip using the Uber App as of October 1, 2018.
- What is not covered?
Down Small Like most insurance policies, Injury Protection has some general and cover-specific exclusions. Please read the key policy details and exclusions here.
- How do I claim?
Down Small In the event You might have a claim, You would need to submit a claim via one of the following channels:
● To Uber through the Uber application; (Information you share may be provided to GIG)
● Via telephone to GIG Insurance Claims department on Call Center: 800 29 24
● In writing to GIG Insurance - uber-claims@gig-gulf.com
● By Post to GIG Insurance via GIG Insurance (Gulf) B.S.C. (c) P. O. Box : 15319 - Doha, Qatar
In the event of any occurrence likely to give rise to a claim under this Policy written notice shall be reported to GIG Insurance as soon as possible and in any event, within (15) working days of the date of the Accident.
This insurance is provided to you subject to the following terms:
- Uber may withdraw, update or modify this insurance at any time in its sole discretion.
- This insurance is procured by Uber at its own discretion and cost as the policyholder, and therefore Uber is not the provider of insurance nor is it acting as a broker or an agent of the insurance provider.
- Drivers shall not in any way be responsible or liable for any payments or premiums relating to the insurance whatsoever.
- The Driver and Uber acknowledge and agree that the Driver 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.
- Drivers s 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.
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