Aon Uber insurance is a specialized insurance program designed to provide coverage for Uber drivers and their vehicles. This program is a result of a partnership between Aon, a leading global insurance broker, and Uber, a ride-sharing giant. The insurance coverage is tailored to address the unique needs of Uber drivers, providing them with protection against various risks they may face while driving for the platform.
Overview of Aon Uber Insurance Coverage
The Aon Uber insurance program offers a comprehensive range of coverages to protect drivers and their vehicles. The coverage includes:
- Liability insurance: This coverage protects drivers in case they are involved in an accident and are found to be at fault. It covers damages to other vehicles, property, and injuries to other people.
- Uninsured/underinsured motorist coverage: This coverage protects drivers if they are involved in an accident with someone who does not have insurance or does not have enough insurance to cover the damages.
- Comprehensive and collision coverage: This coverage protects drivers’ vehicles against damages that are not related to an accident, such as theft, vandalism, or natural disasters, as well as damages that occur during an accident.
- Personal injury protection: This coverage provides medical benefits to drivers and their passengers, regardless of who is at fault in an accident.
Periods of Coverage
The Aon Uber insurance program provides coverage during different periods of a driver’s trip, including:
Period 1: This period begins when the driver logs into the Uber app and starts waiting for a trip request. During this period, the driver is covered for liability only, with limits of 50,000 per person, 100,000 per accident, and $25,000 for property damage.
Period 2: This period begins when the driver accepts a trip request and starts driving to pick up the passenger. During this period, the driver is covered for liability, uninsured/underinsured motorist, and comprehensive and collision coverage, with higher limits than Period 1.
Period 3: This period begins when the driver picks up the passenger and ends when the trip is completed. During this period, the driver is covered for liability, uninsured/underinsured motorist, comprehensive and collision coverage, and personal injury protection, with the highest limits of all three periods.
| Period | Coverage | Limits |
|---|---|---|
| Period 1 | Liability | $50,000 per person, $100,000 per accident, $25,000 for property damage |
| Period 2 | Liability, Uninsured/Underinsured Motorist, Comprehensive and Collision | $100,000 per person, $300,000 per accident, $50,000 for property damage |
| Period 3 | Liability, Uninsured/Underinsured Motorist, Comprehensive and Collision, Personal Injury Protection | $1,000,000 per person, $1,000,000 per accident, $100,000 for property damage |
Additional Benefits
In addition to the standard coverages, the Aon Uber insurance program offers several additional benefits, including:
- Roadside assistance: This benefit provides drivers with 24⁄7 roadside assistance, including towing, fuel delivery, and lockout service.
- Rental car coverage: This benefit provides drivers with a rental car if their vehicle is damaged in an accident and is being repaired.
- Accident forgiveness: This benefit forgives one accident per year, which means that the driver’s premium will not increase due to the accident.
What is the cost of Aon Uber insurance?
+The cost of Aon Uber insurance varies depending on several factors, including the driver's location, vehicle, and driving record. On average, the cost of Aon Uber insurance ranges from $10 to $30 per week.
Do I need to purchase Aon Uber insurance if I already have personal auto insurance?
+Yes, you may still need to purchase Aon Uber insurance even if you already have personal auto insurance. This is because personal auto insurance policies typically do not cover drivers who are driving for a ride-sharing platform like Uber.
In conclusion, the Aon Uber insurance program provides comprehensive coverage for Uber drivers and their vehicles. The program offers a range of coverages, including liability, uninsured/underinsured motorist, comprehensive and collision, and personal injury protection, as well as additional benefits like roadside assistance and rental car coverage. Uber drivers should carefully review the program’s details and consider purchasing the coverage to ensure they have adequate protection while driving for the platform.
