Uber insurance

One of the most critical factors that made Uber a popular rideshare app can be probably the services on insurance. Uber tries to protect its PCO drivers and riders from having a safe trip. Uber claims every trip is insured! However, many people before joining Uber might not be aware of the terms and conditions, necessary documents, what injuries Uber covers with the insurance, how much they pay on damage, etc. That’s why we decided to provide a comprehensive article explaining all you need to know about Uber insurance. Through this article, you can learn more about what situations Uber will accept your injuries and damages, terms to know, the subsidiaries of this insurance, steps to announce Uber after a crash, and answers to some FAQs on this issue. Don’t miss reading it!

Uber insurance

Content preview

  • What are the terms to know of Uber insurance for PCO drivers?
  • How does the insurance work?
  • What to do in case of a crash while using Uber?
  • FAQs of Uber insurance
  • Conclusion

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What are the terms to know of Uber insurance for PCO drivers?

Some special terms are used in all insurance types that a typical person may not know the meaning and use of. Here are some of them:

Third-party liability insurance

Third parties are all the people or things apart from you and your vehicle that had damage or injury through the accidents on your behalf, including pedestrians, people’s properties, rider’s properties, etc.

What are the terms to know of Uber insurance for PCO drivers?

Some special terms are used in all insurance types that a typical person may not know the meaning and use of. Here are some of them:

Third-party liability insurance

Third parties are all the people or things apart from you and your vehicle that had damage or injury through the accidents on your behalf, including pedestrians, people’s properties, rider’s properties, etc.

Uninsured/underinsured motorist bodily injury insurance

In some situations, during the rides on Uber, you may have an accident with another vehicle, and the accident is their fault. Uber will cover the occasion when the aforementioned happens, and they don’t have valid insurance to cover the injuries or damages, or they hit and run from the accident scene.

Contingent comprehensive and collision insurance

No matter whose fault it is, when contingent comprehensive and collision insurance is maintained, any damages to your PCO car up to the car’s value are accepted and covered by Uber. Just note that if you are offline (not in charge of Uber at the time of the accident), the coverage needs to be considered by separate insurance.

It is your choice to have the other insurance or not, and what insurance company to choose.

How does the insurance work?

Apart from the time you are on a ride with your client, there are two situations Uber covers the injuries and damages on your behalf. These occasions are:

Uber insurance articel

While you are waiting for a trip request

When you are waiting to receive a ride request, you are online and using the Uber app. This means to Uber you are working and in charge of Uber, so the accidents on your behalf are covered by rideshare. Also, the third party insurance liability, in case of your insurance doesn’t cover it, can be supported by Uber as it is mentioned below:

  • Up to £36,000 in bodily injury per person
  • Up to £72,000 in bodily injury per accident
  • Up to £18,000 in property damage per accident

(note that the prices may vary based on the case of an accident).

On the way to pick the rider up

If you are on the way to pick your rider up, Uber covers the injuries and damages on your behalf as it is mentioned below:

  • £720,000 third-party liability Uninsured/underinsured motorist bodily injury
  • Contingent comprehensive and collision:
  • 1- Up to actual cash value of the car with the deduction of what you paid at first for insurance.
  • 2- Certain vehicles offered through the Vehicle Marketplace are subject to a £720 deductible

 

Then how about not using Uber?

When the driver is not working!

If you are in the offline mode and not using the app or in other words, in off hours of your job, in case of a crash (or any other injuries) to you, your chosen personal insurance company and coverages will work for you. As a result, Uber insurance won’t work for you during the offline time of driving.

What to do in case of a crash while using Uber?

Three essential steps should be taken when an accident occurs. Note that firstly, keep calm and then:

  1. Check the safety of you, your client, and all the engaged people with the accident.
  2. Call 911 in case of need.
  3. Report the crash to Uber by using the Uber app ->help or through the Uber website.

FAQs of Uber insurance

Who needs Uber insurance?

Regardless of who needs and doesn’t need Uber insurance, Uber will consider auto insurance for ridesharing on your behalf while working with Uber. You may also have personal insurance that covers ridesharing trips, and that would be extra coverage. So no matter who needs it, that’s auto insurance.

What if I lose my vehicle through the accident? How can I work again?

Although Uber will not be responsible for hiring you another PCO car, it will cover the damages up to the vehicle’s real value. Note that this feature needs a deduction to be paid when you apply for Uber if you want this.

What if the accident is someone else’s fault?

As we mentioned, contingent comprehensive and collision insurance is approved once you apply for Uber insurance. Through this program, while you are on the trips of Uber, all the injuries are covered even if somebody else is faulty for the crash.

a car that crashed

What to do in case of an accident?

Apart from the mentioned three steps, you can also call the support agent directly to get help. To access this feature, go to the app’s help section, tap the call support, and wait to be connected.

What is the injury protection program of Uber insurance?

All the Uber drivers and delivery persons are covered through the injury protection program of Uber insurance. This program contains medical expenses, disability, loss of life, and dismemberment.

Do I need to pay for Uber insurance, or is it free of charge?

To apply for the Uber insurance services, Uber will require you about £2000, and then you will be eligible to use the insurance services of Uber.

Conclusion

Insurance is one of the main features that need to be considered in any job roles. By providing an excellent insurance service, Uber made it more accessible and there is no need for other insurances while you are up for Uber. However, it is necessary to have another insurance while you are not in charge of Uber! In this article, we mentioned how Uber drivers and PCO cars are eligible for Uber insurance and what to do in an accident. Besides, we answered some of the top FAQs of PCO drivers about Uber insurance and explained some of the most important terms used by Uber and insurances. We hope you never need insurance coverage in your life, and reading this article was helpful to know enough about Uber’s insurance.

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