Partner Injury Protection from AIG Insurance
Accident insurance from AIG Insurance
Sometimes accidents happen. So it’s good to know that from 21st December 2018, you are protected against medical treatment costs and lost earning opportunities.
Important Information
When you are covered
Starting from the launch date
Partner Injury Protection starts on 21st December 2018.
Protected while On-Trip
You are protected from the moment you accept a trip or delivery request, through to when the trip ends or the delivery is completed.
Who is protected?
All Uber drivers, riders and delivery partners are protected, subject to conditions and limits.
What this means for you
How it works
Get help with medical treatment costs if you’re injured in an accident while on an Uber trip or delivery. If your injuries stop you from driving, you can also get help with lost earning opportunities.
Protection for medical treatment costs and lost earning opportunities If you’re an Uber driver or delivery partner in Tanzania, Partner Injury Protection can help you with emergency medical treatment expenses and other costs.
You pay nothing As part of our global commitment to safety we have partnered with AIG Insurance to provide as many driver and delivery partners as possible with protection under this program. That’s why Uber is paying for this program.
Your customers are protected too While on an Uber trip in Tanzania, your passengers are also automatically protected by the injury protection insurance.
How to claim if you’re injured If you’re injured in an accident while On-Trip and want to get help with your medical treatment costs, please use the in-app claim form or contact AIG (see below).
FAQ
- 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 AIG Insurance.
- Medical treatment: If an accident happens On-Trip, this cover reimburses you for medical treatment costs (e.g. X-ray, operations, medicines) up to a capped sum. In addition, this cover reimburses ambulance service costs.
- 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 which can be used as you deem fit.
- 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.
- Daily Payment Benefit (injury): If you are hospitalized for more than 24 hours as a result of an accident that happened On-Trip and are thereafter unable to work because of those 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.
- What are the limits of coverage?
Coverage Coverage Period Tanzania Limits - (TZS) Medical Cover On-Trip 1,250,000 Insured Deductible: 50,000 Ambulance sub limit 500,000 Death and repatriation payment On-Trip Death:5,000,000 Funeral Expenses: 500,000 Permanent Disability payment On-Trip Up to 5,000,000 Daily Payment Benefit (injury) On-Trip 10K TZS for PD only subject to 7 consecutive days at Hospital - Why is Uber doing this?
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 AIG Insurance in being your partner on the road.
- What does today’s announcement mean?
We have been working closely with AIG Insurance to develop new products in Kenya. These product offerings are now available to driver and delivery partners in Kenya, and also to riders. The new program launches on the 1st July 2021. Access to protection takes effect on the same day.
- Can all Uber partners get this insurance?
Yes, all Uber driver and delivery partners now protected, 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”?
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.
- Where is Injury Protection provided?
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.
- Where is Injury Protection provided?
Injury Protection is provided in the following countries where Uber operates Rides and/or Eats. At 1st July 2021 this includes Kenya, Ghana, Uganda and Tanzania.
- Does Injury Protection replace my own commercial vehicle motor insurance?
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.
- What does “On-Trip” mean? When am I covered?
You are protected 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 full policy details.
- How do I activate my coverage?
You do not need to do anything. You are protected whenever you’re On-Trip using the Uber App as of 21st December 2018.
- What is not covered?
Like most insurance policies, Injury Protection has some general and cover-specific exclusions. Please read the full policy details and exclusions here [link to AIG partner notice].
- How do I claim?
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 application; (Information You share will be provided to AIG)
- By telephone to AIG Insurance Claims department on 0860 113 522
- In writing to AIG Insurance: uberclaims@aig.com
AIG South Africa Limited Sandown Mews West, 88 Stella Street, Sandown, 2196, South Africa
In the event of any occurrence likely to give rise to a claim under this Policy written notice shall be reported to AIG as soon as possible and in any event, within 30 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.
- Drivers and Delivery Partners shall not in any way be responsible or liable for any payments or premiums relating to the insurance whatsoever.
- 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.
- 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.
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