Ride insurance

How does ride insurance work?

Insurance coverage for both drivers and riders begins as soon as the taxi's driver starts the ride (i.e. they tap the On the way button). It ends as soon as the ride ends (i.e. the driver taps Finish). If a passenger cancels their trip, the insurance will no longer apply.

All passengers and the driver are insured against accidents. The number of insured passengers can not exceed the number of seats in the car.

What is included in the insurance?

Life and limb are covered under the policy. Every driver or passenger who is injured in an accident is entitled to compensation:

  • In case of injuries: up to 2,000,000 rubles, depending on severity*.
  • In case of disability: up to 2,000,000 rubles, depending on the disability classification*.
  • In case of loss of life: 2,000,000 rubles, where compensation is paid to the rightful heirs.

* The amount of insurance compensation set based on regulations established by the Decree of the Russian Government dated November 15, 2012 N 1164 "Approval of rules regarding insurance compensation in cases of injury to victims".

The total amount of all insurance payments for one insurance case cannot exceed 2,000,000 rubles per insured individual.

How much does it cost?

For passengers and drivers, this insurance is free.

How do I enable insurance?

You don't need to do anything to activate your insurance. All Uber rides in Russia are already insured.

In what circumstances can I receive compensation?

If a user ends up in an accident and gets injured during a trip booked via Uber, they are entitled to compensation. It doesn't matter who placed the order. Everyone who was in the vehicle during the ride is insured. The number of insured passengers can not exceed the number of seats in the car.

What should I do at the scene of an accident?

  1. Call 112 and report what happened.
  2. Wait for the arrival of the GIBDD (traffic police) and emergency services.
  3. Ask the GIBDD officer about the time and place for the investigation of your accident.
  4. Get the accident report that lists you as a victim from the traffic police officer.

Can I leave the scene of the accident without waiting for the traffic police?

By law, all persons involved in an accident (including the victims) must wait at the scene until the police arrive. We recommend following the law.

If you were severely injured and left the scene of the accident in an ambulance, the hospital staff are obligated to inform the GIBDD that you have been transported from the scene. This information will be admitted to your case, and the GIBDD report will list you as a victim. The report is always compiled based on the results of the incident investigation. The insurer may pay compensation based on the investigation results.

How do I get my compensation?

  1. Go to a trauma unit or clinic to get a letter of verification that you were injured.
  2. Take part in the accident investigation at the GIBDD (traffic police) department. When this process is completed, you will receive an official decision regarding the infraction.
  3. Contact us — we will find out what company insured your ride and send them your contact information.
  4. Representatives of the insurance company will contact you and let you know exactly what documents you will need to get compensation.
  5. Within two weeks after getting your documents, the insurance company will make a decision regarding your case and transfer money to your bank account.

What documents do I need in order to get compensated?

The insurance company will let you know exactly what documents they need.

In most cases, you will need the following in order to receive compensation:

  • An application to be compensated for damages
  • An excerpt from your medical record or injury report
  • A document about the accident in which you are listed as the victim

Can the insurance company require additional documents?

In some cases, the insurance company may ask you to:

  • Submit additional documents that clarify the circumstances surrounding the accident.
  • Send originals of the required documents to their office or use a courier service.
  • Undergo additional medical examinations to confirm the extent of your injuries and the circumstances surrounding them.

What if I ordered a taxi for another person and they got into a traffic accident?

They have the right to be compensated. The insurance covers all passengers who were in the car that was carrying out the Uber order. The number of insured passengers cannot exceed the number of seats.

I'm the driver and the accident may have been my fault. Will I still be compensated?

Yes. The insurance company will determine the amount of your compensation. There may be exceptions in some cases. You can find details below.

In what cases will a driver not be paid for damages?

A driver will not be able to receive an insurance payment if they grossly violate traffic regulations (such as running through a red light, driving in an oncoming lane, or disappearing from the scene of an accident). Detailed conditions can be found in the rules of insurance companies:

Note. This memo is not a public offering. If you still have questions about the insurance program, please contact Uber support.