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Uber

Get peace of mind while you drive

Partner Injury Protection insurance is designed to provide Uber partners with peace of mind in case the unexpected happens. We believe that partners deserve the opportunity to be protected if they’re in an accident and are unable to drive or deliver—and are therefore unable to make money—or have to pay for medical expenses.

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Pioneering protections for you

For less than $0.04 a mile, Partner Injury Protection, through Affinity Insurance Services Inc., helps minimize the financial impact a covered accident could have on a driver or delivery partner. Pioneered by Uber, this insurance offering is designed specifically for Uber partners.

Meaningful benefits

For injuries covered through this optional insurance, there are several important benefits, including:

Disability payments

Earnings replacement up to a maximum of $500 per week

Medical expenses

Accident medical expenses up to a maximum of $1,000,000 with no deductible or copay

Survivor benefits

Up to a maximum of $150,000 for your family

“After the accident, Partner Injury Protection actually paid me for the time off while I was going through therapy, and it allowed me to be a mother, it released a lot of fear. It was so delightful to know that I don't have to deal with the financial part, I just need to do what I need to do to get well. So I just show up, get well, and now I’m back driving. It made me whole again.”

Patricia, Uber partner

Frictionless protection

Simple, per-mile premiums

Pay $0.0375 per mile only when on-trip—with coverage while you’re online, en route, and on-trip (for deliveries and passenger trips).

Get protected instantly

Enrollment takes two clicks, ensuring that you’re protected on your very next ride.

Pay automatically

Your premium is deducted automatically from each trip, and the deductions will be clearly shown on your earnings reports.

Stop whenever you want

Canceling your enrollment is easy and can be done at any time.

Frequently asked questions

As a driver or delivery partner, you’re constantly on the go. Accidents can happen, and often through no fault of your own. Protecting yourself against unforeseen medical expenses and eligible earnings loss resulting from a covered accident with affordable Partner Injury Protection can be a smart financial move. It can also help minimize the financial impact that an accident would have on you and your family. This coverage is designed specifically for Uber partners.

Protection for a covered accident starts as soon as you have enrolled and meet the eligibility requirements (as outlined below). Although you’re only charged for miles while you’re on-trip with a passenger or on your way to drop off an order, you are protected for injuries covered by the policy during these 3 scenarios:  

  • While you’re online, including when you’re available for trip requests
  • While you’re en route to pick up a passenger or delivery
  • While you’re on a trip using the Uber app

Partner Injury Protection doesn’t apply when you’re performing services for another company, or when driving your vehicle for personal pleasure.

For injuries covered by Partner Injury Protection insurance, you and your family are protected in 6 important ways if you’re injured in a covered accident while online with Uber:

 

  • Accident medical expenses up to a maximum of $1,000,000 (no deductible or copay)
  • Temporary total disability up to a maximum of $500 a week
  • Continuous total disability up to a maximum of $500 a week
  • Accidental death up to a maximum of $50,000
  • Survivor benefits up to a maximum of $150,000
  • Accidental dismemberment up to a maximum of $200,000

It’s fast and easy to enroll through the Insurance section of the Uber Driver app by tapping Learn more under Partner Injury Protection (go to Account > Insurance > Partner Injury Protection), or you can go online at driverinjuryprotection.uber.com/enroll.

Partner Injury Protection is optional. You can enroll or terminate coverage at any time. As an independent business operator, you can purchase the Partner Injury Protection insurance product as a way to help manage risk.

Auto liability insurance coverage may not cover personal medical expenses of the driver. Please check your auto liability policy for further details. Partner Injury Protection provides medical coverage for covered accidents, along with additional benefits such as disability earnings replacement and survivor benefits while you’re online with Uber. The rideshare insurance maintained by Uber insures Uber partners for bodily injury and property damage liability to third parties resulting from a covered accident, such as your riders, people in other vehicles, pedestrians, or property. This rideshare insurance generally doesn’t include the benefits offered by Partner Injury Protection. For more information, read Uber’s overview of insurance maintained on behalf of drivers at uber.com/insurance.

Please contact insurance carrier Atlantic Specialty Insurance Company 24 hours a day, 7 days a week, at 844-747-6221 (toll-free). Atlantic Specialty Insurance Company will send you the necessary forms to complete. You must notify them within 20 days of the injury. The Uber Support team doesn’t handle claims for Partner Injury Protection.

Coverage costs less than $0.04 per mile ($0.0375 per mile) while on a covered trip. The premium is calculated based on miles traveled while you’re on a trip with a rider or on your way to drop off an order and is rounded at the end of each trip to the nearest cent. You are only charged for the miles while you’re on a trip, but the coverage extends while you are online waiting for a trip as well. The payment process is simple. When you enroll for Partner Injury Protection at driverinjuryprotection.uber.com, you'll also authorize Uber to deduct the per-mile premium from your earnings to facilitate premium payment. Uber takes no compensation from the premium costs.

If you decide you no longer want coverage, you can stop it at any time.

Please note: this rate is subject to change. If a change occurs, the people who are insured will be notified in advance.

Helpful resources

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