Accident insurance from AIG

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.

Sum insured: UGX 7,500,000

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 Uganda. These product offerings are now available to Driver Partners in Uganda, and also to Riders.

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).

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 shall not in any way be responsible or liable for any payments or premiums relating to the insurance whatsoever.
4. 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.
5. 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.

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 Uganda where Uber operates Rides.

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.

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.

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.

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 +256 312 211 311
• By Email: aiguganda@aig.com
• In writing to AIG Uganda Limited at P.O. Box 7077 Kampala - Uganda

Download Key information Document (KID) for driver partners »