Aon Uber Insurance is a specialized insurance program designed specifically for Uber drivers, offering a unique set of features that cater to the needs of ride-sharing professionals. The program is the result of a partnership between Aon, a leading global insurance broker, and Uber, the renowned ride-sharing platform. This collaboration has led to the creation of an insurance product that addresses the distinct risks and challenges faced by Uber drivers, providing them with comprehensive protection and peace of mind.
Key Features of Aon Uber Insurance
The Aon Uber Insurance program boasts an array of features that make it an attractive option for Uber drivers. Some of the key features include:
- Contingent Liability Coverage: This feature provides protection for Uber drivers in the event of an accident, ensuring that they are covered even when they are not logged into the Uber app.
- Period 1 Coverage: Aon Uber Insurance offers coverage during Period 1, which is the time when the driver is logged into the Uber app but has not yet accepted a ride request.
- Period 2 and 3 Coverage: The program also provides coverage during Periods 2 and 3, which include the time when the driver is en route to pick up a passenger and when the passenger is in the vehicle, respectively.
- Uninsured/Underinsured Motorist Coverage: This feature protects Uber drivers in the event of an accident with an uninsured or underinsured motorist.
- Comprehensive and Collision Coverage: Aon Uber Insurance offers comprehensive and collision coverage, which protects against damage to the vehicle, regardless of who is at fault.
How Aon Uber Insurance Works
Aon Uber Insurance is designed to be easy to use and understand. Here’s a step-by-step overview of how the program works:
- The Uber driver purchases the Aon Uber Insurance policy, which is typically available through the Uber app or website.
- The driver pays a premium, which is usually a flat fee per week or month, depending on the policy terms.
- When the driver is logged into the Uber app, the insurance policy is automatically activated, providing coverage during Periods 1, 2, and 3.
- In the event of an accident or other covered incident, the driver files a claim with Aon, which will then investigate and settle the claim according to the policy terms.
| Coverage Type | Policy Limit |
|---|---|
| Contingent Liability Coverage | $50,000 per person / $100,000 per accident |
| Uninsured/Underinsured Motorist Coverage | $25,000 per person / $50,000 per accident |
| Comprehensive and Collision Coverage | Actual Cash Value (ACV) of the vehicle |
Aon Uber Insurance is a unique and innovative insurance program that addresses the specific needs of Uber drivers. With its comprehensive coverage options and easy-to-use format, it has become a popular choice among ride-sharing professionals. As the ride-sharing industry continues to grow and evolve, insurance programs like Aon Uber Insurance will play an increasingly important role in protecting drivers and providing them with peace of mind.
What is the cost of Aon Uber Insurance?
+The cost of Aon Uber Insurance varies depending on the driver’s location, vehicle type, and other factors. However, the premium is typically a flat fee per week or month, ranging from 10 to 30 per week.
Is Aon Uber Insurance available in all states?
+Aon Uber Insurance is available in most states, but the availability and terms of the policy may vary depending on the state and local regulations. Drivers should check with Aon or Uber to determine if the policy is available in their area.
Can I purchase Aon Uber Insurance if I’m not an Uber driver?
+No, Aon Uber Insurance is specifically designed for Uber drivers and is only available to those who are actively driving for Uber. Other ride-sharing platforms or individuals who are not Uber drivers are not eligible for this insurance program.
