Skip to main content

Get peace of mind while you drive

Optional Injury Protection insurance is designed to help provide people driving or delivering with Uber with peace of mind in case the unexpected happens. We believe that drivers 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.

Pioneering protections for you

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

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, Optional 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, driver

Frictionless protection

Simple, per-mile premiums

Pay $0.0375 per mile only when on-trip—with coverage while you’re online, on the way to pick up a passenger or delivery, and on-trip (for deliveries and passenger trips). The entirety of the premium goes to the insurer—Uber takes no fees or commissions in relation to this coverage.

Get protected instantly

Enrollment takes 2 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

Helpful resources

Email an Aon representative

Learn additional details

Read more questions

Uber Technologies is not an insurance provider and is not performing any insurance services. All coverages are subject to the policy terms, conditions, limitations, and exclusions. Affinity Insurance Services Inc., is offering this optional coverage to people who use the Driver app. Optional Injury Protection insurance is offered through Affinity Insurance Services Inc., and the policy is underwritten by Atlantic Specialty Insurance Company. If there’s a discrepancy between the information shown here and the actual insurance policy, the policy governs. For further information, please see the coverage details.

Optional Injury Protection is currently available in 39 states and Washington, DC: Alabama, Arizona, Arkansas, California, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.