If you want to work as a driver for Uber or make your car available, surely you have already reviewed the requirements that are needed. And obviously you have realized that you need a comprehensive insurance policy. But What insurance does Uber accept? And what is the best insurance? We clarify all your doubts.
For all its driving partners Uber requires an insurance policy, this can be commercial or private with ERT coverage. These must meet a series of characteristics in order to be validated by Uber. In addition, driver partners can contract more than one insurance for the same vehicle and thus have greater coverage in case of accidents.
What is the best insurance for Uber?
Insurance policies with ERT coverage are insurance applicable especially to digital transportation platforms and are the best option to work at Uber and any other transportation platform through applications.
It should be noted that regular car insurance does not cover damage if the vehicle works with this type of application, because it only covers the claims of a vehicle for private use. These insurances do not cover the transport of goods and private persons, such as the services offered by Uber.
Now, what characteristics must a commercial insurance policy or ERT have for Uber to accept it? We will explain them to you below.
Characteristics of the insurance accepted by Uber
An insurance policy accepted by Uber must be comprehensive, therefore it must include: civil liability coverage, passenger coverage and deductibles of 10% or less for material damage and total theft coverage. Depending on the country where you are, the prices of these comprehensive coverage policies vary.
As for ERT coverage policies, they must have at least the following coverage:
- material damage
- total vehicle theft
- glass breakage
- Civil liability for damages to third parties
- Civil liability for excess persons
- Civil liability for traveler damages
- Medical expenses for occupants
- Car accidents to the driver
- Covered Support Services
- Protected legal defense
When submitting the requirements to Uber to be part of the Driver Partners community, it is necessary that the insurance policy correctly indicates the type of vehicle, model, year and registration. Likewise, it must present an effective and expiration date.
Insurers with Uber car policies
Currently, there are many insurance companies that have updated their portfolio of services to be able to adapt to the needs of digital transport platforms and that is why below we will mention several insurers with ERT insurance policies, in different countries, ideal for Uber driver partners.
- United States:
- Allstate
- Geico
- Mercury
- erie
- farmers
- progressive
- Safeco
- StateFarm
- Mexico:
- SURA
- AXA
- Affirm
- GNP
- Qualitas
- Chile:
- SURA
- Santander
- Future
- Colombia:
- Allianz
- Brazil:
- SURA
- Porto Seguro
Depending on the country where you live and want to work for Uber as a Driver Partner, the laws applicable to insurance companies are different, as well as the prices. Even in some countries there are no policies adaptable to Uber partners, but you can take out different policies for basic coverage.
Purchasing an insurance policy to work at Uber has many advantages, as it helps ensure the safety, good care and trust of users. In addition, in the event of an accident, loss or theft, the insurance will cover the damage caused.
In this way, users and drivers will be able to enjoy a pleasant experience using the platform. If you want more information regarding Uber insurance, check the official website and find out more details.
