Discover Vehicle Interruption Coverage for Drivers

This optional insurance provides a lump-sum benefit of $2,500 if your car is inoperable for at least 24 hours due to a covered accident or theft that happened while you were on a trip or en route to pick up.

For specific details about your policy, navigate to the insurance hub in the Uber Driver app to check what is covered or review the full policy here.

Protection for a covered accident or theft starts as soon as you have enrolled and completed one trip. 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 accidents or theft covered by the policy during these 2 scenarios:

• While you’re en route to pick up a passenger or delivery
• While you’re on a trip using the Uber Driver app

Vehicle Interruption Coverage doesn’t apply when you’re performing services for another company, when driving your vehicle for personal use, or for any accidents or thefts that occur before you're en route to the first requested pick-up location through the Uber Driver app or after the trip has completed.

No. Vehicle Interruption Coverage is completely optional. You can enroll or terminate coverage at any time.

Coverage costs $0.031 per mile while on covered trips. The cost 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 to the nearest cent at the end of each trip. You’re only charged for the miles while you’re on a trip, but the coverage extends while you’re en route or on trip. The payment process is simple. When you enroll for Vehicle Interruption Coverage, you'll also authorize Uber to deduct the per-mile cost from your earnings to facilitate payment. If you decide you no longer want Vehicle Interruption Coverage, you can cancel it at any time.

Please note the rate is subject to change. Insureds will be notified in advance of any rate changes through either an email notification from Chubb.

Yes. There is a maximum of two claims payable in a 12-month period for participating drivers. Following the payment of a second claim, your coverage will automatically terminate, and you will be eligible to re-enroll after 180 days.

There are no refunds available for amounts deducted from eligible drivers for Vehicle Interruption Coverage.

Coverage may be canceled at any time in the Uber App by following these steps:

• Open the Account menu in the Uber Driver App
• Select “Insurance” to open Insurance Hub
• Go to “Vehicle Interruption Coverage”
• Select "Manage Policy"
• Select “Cancel enrollment"
• Select “Cancel” to confirm
• You will receive a confirmation message in the app that your coverage has been canceled
• Remember, you can re-enroll through the app at any time, provided you have not exceeded the two-claim limitation or 180 days has elapsed since you reached the two-claims limit.

This insurance is not auto liability insurance and does not satisfy motor vehicle financial responsibility requirements in any state. It does not provide coverage for loss or damage to the vehicle itself, for damage to property, or for injury to the driver, passengers, or any other person.

You will not be covered:

• If the vehicle downtime is due to mechanical breakdown, wear and tear, windshield damage or cosmetic non-disabling damage.
• If the incident (accident or theft) occurred while you were offline or waiting for a request
• Any accident prior to the completion of one trip after you’ve enrolled in the product
• If you have already reached the limit of two claims per 12-month period. Note: your participation under the policy will be automatically cancelled by Chubb as soon as the second claim is paid. If the incident (car theft or accident) that caused your claim occurred before your insurance was active
• If you voluntarily cancel your insurance (which you can do at any time directly in the Uber app)

Please note that not all exclusions are listed above. Full coverage details and exclusions can be found here or you can navigate to the insurance hub in the Uber Driver app to check what is covered.

Vehicle Interruption Coverage is currently available to eligible drivers in the US. If you're eligible, you'll see the option to enroll in the Uber Driver app.

You can enroll in Vehicle Interruption Coverage through the Uber Driver app. Click on your profile, go to the Account tab, and then to Insurance to find Vehicle Interruption Coverage Insurance. If you are accessing this website from your mobile phone, you can purchase the insurance through this link. Your coverage begins after you complete one trip after enrolling for the insurance in the Uber Driver app.

As mentioned above, Chubb will cancel the policy when the maximum of two claims payable in a 12-month period is reached. You can visit the Chubb Claims portal (accessible directly via the Insurance section in your Uber Driver app) or call the dedicated Chubb support line at 1-800-250-7056 or e-mail at Uber.ClaimStart@esis.com for questions about claims.

No, this insurance only provides coverage for drivers who drive four-wheeled vehicles.

Once your claim is approved by Chubb, the payment can be made by EFT or by check. This helps ensure you get the funds quickly to cover your immediate expenses.

No. Vehicle Interruption Coverage does not cover downtime for routine maintenance, wear-and-tear repairs (like a brake change), or mechanical breakdowns unrelated to a covered accident.

If your vehicle has been involved in a covered accident or theft while on an Uber trip, follow these steps to initiate your claim:

• Report the Incident: Submit a crash report through the Uber Driver app immediately and no later than 30-days from incidents.
• Contact Chubb:
  • Online: Visit the Chubb Claims portal (accessible directly via the Insurance section in your Uber Driver app).
  • Email: E-mail at Uber.ClaimStart@esis.com
  • Phone: Call the dedicated Chubb support line for claims questions at 1-800-250-7056.

To speed up your claim review process, you should be prepared to provide:

• Details of the accident, including how, when, and where the accident occurred.
• Photos of the damage or a police report (in the case of theft).
• Evidence that a certified auto body or repair shop determined the vehicle has been rendered inoperable for at least 24 hours as a result of the accident.
• The Uber trip ID during which the incident occurred.