Vehicle Interruption Coverage is optional coverage Uber offers through Chubb. If a covered accident or theft leaves your car inoperable for at least 24 hours, it pays a $2,500 lump sum.
The incident has to happen while you're en route to a pickup or on a trip. It doesn't pay for the damage to your car - it's a payment for time off the road.
Who can get it
Available to eligible Uber drivers in the U.S., excluding U.S. territories, using four-wheeled vehicles. It's optional, so you only have it if you've opted in.
When it applies
Covered
A covered accident or theft while you're en route to a pickup or on a trip that leaves your car inoperable for at least 24 hours.
Not covered
Incidents while you're offline or waiting for a request. Damage to the car itself. Downtime from routine maintenance, wear and tear, mechanical breakdown or similar causes.
Claim limits
It pays up to two claims in a 12-month period. Coverage is cancelled after the second paid claim. After the second payable claim terminates coverage, the driver is eligible to re-enroll after 180 days.
Reporting an incident
Uber currently tells drivers to report an incident immediately and no later than 30 days afterwards. That's Uber's own claim instruction, not a legal deadline - but don't wait.
What it costs
Currently $0.031 per mile on covered trips. Uber says the rate is subject to change.
Repairs are a separate claim
Fixing your car runs through contingent comprehensive and collision, which needs personal comprehensive and collision and carries a $2,500 deductible. Vehicle Interruption Coverage doesn't replace that.
Who pays for my lost income while my car is being repaired? →Does Uber or Lyft insurance cover damage to my car? →
This is an Uber product, but what else may pay for downtime depends on your state. Open your state and jump straight to what we have verified.
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