Accident insurance from AIG
Sometimes accidents happen. So it’s good to know that you’re protected against medical costs and lost earning opportunities.
Important information
When you are covered?
Starting from the launch date
Partner & Rider Injury Protection: 1 July 2020.
Coverage while On-Trip
You are covered from the moment you accept a trip, through to when the trip ends.
Who is covered?
All Uber driver partners and passengers are insured. Coverage is subject to conditions and limits.
What this means for you
How it works
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 in Uganda, 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 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 Uganda, 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).
FAQ
- What are the key features of cover?
Partner & Rider Injury Protection provides cover for specific events that occur while a Driver Partner 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 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.
- What are the limits of coverage?
Sum insured: UGX 7,500,000
Coverage Coverage Period Limits Medical Cover On-Trip Up to: 1,875,000 Ambulance sub limit: 750,000 Death and funeral payment On-Trip Death: 7,500,000 Funeral Expenses: 750,000 Permanent Disability payment On-Trip Up to 7,500,000 Daily Payment Benefit (injury) On-Trip For Partner Drivers: 13,000 / day Inconvenience Payment (injury) On-Trip For Partner Drivers: 65,000 - Why is Uber doing this?
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.
- What does today’s announcement mean?
We have been working closely with AIG to develop new products in Uganda. These product offerings are now available to Driver Partners in Uganda, and also to Riders.
- Can all Uber partners get this insurance?
Yes, all Uber Driver Partners are now covered by this insurance, but you can decline if you prefer (see the next question to find out how).
- Terms & Conditions
- 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 Partners shall not in any way be responsible or liable for any payments or premiums relating to the insurance whatsoever.
- 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.
- 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.
- 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?
Partner & Rider Injury Protection is provided in Uganda where Uber operates Rides.
- 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.
- Does Injury Protection replace my own Medical Insurance Policy?
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?
Cover is in place from the moment you accept a trip, during the trip and through to when the trip ends. 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.
- What is not covered?
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
- 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 app (information you provide may be shared with AIG);
- By telephone to AIG Insurance Claims department on +256 312 211 311
- By Email: aiguganda@aig.com
- In writing to AIG Uganda Limited at P.O. Box 7077 Kampala - Uganda
- Where can I get more information?
Further documentation
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 Partners shall not in any way be responsible or liable for any payments or premiums relating to the insurance whatsoever.
- 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.
- 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.