Uber Eats couriers in Europe to be offered free accident and sickness insurance

Uber has announced it’s launching a free insurance package for independent couriers delivering food for its Uber Eats business in nine European markets.

It says all couriers with an active account in the covered markets will be able to take up the product free of charge.

The plan will be introduced from January 8, 2018, and will include personal accident insurance during a delivery trip; a cash benefit for severe sickness or injury up to a maximum of 15 days; and third party liability cover up to a maximum of €1M.

The ride-hailing giant has partnered with AXA Corporate Solutions for the bespoke insurance product — which it says will provide “additional protection and security” for couriers delivering for its Uber Eats service in Austria, Belgium, Italy, the Netherlands, Poland, Portugal, Spain, Sweden and the UK.

Earlier this year, in April, Uber launched a subsidized personal injury and illness insurance for drivers in the UK — though that product was not entirely free of charge, costing drivers who were eligible £2 per week to join the scheme.

Food delivery couriers that are working busy roads on bicycles and mopeds are visibly taking the biggest risks to their personal safety — which likely explains why Uber is fully subsidizing the Uber Eats insurance package.

Uber and other gig economy companies have also faced growing pressure in Europe over employment conditions and rights for the individuals providing the core services offered by their platforms as legal challenges have successfully unpicked multiple ‘self-employed’ classifications.

In October last year a UK employment tribunal ruled that a group of Uber drivers had worker status — meaning they are entitled to workers rights such as holiday pay, paid rest breaks and the National Minimum Wage.

Last month Uber lost its first appeal against that judgement, and had an application to take an appeal straight to the UK’s supreme court denied — leaving it the option of going to the UK’s Court of Appeals.

At the same time a decision by Europe’s top court — in a separate case concerning a self-employed window salesman who was determined to have worker status — appears to have raised the stakes considerably because it did not time-limit potential claims for backpay. Meaning that across the EU, over the longer term, the financial incentive for employers to deny workers entitlement to holiday pay will be reduced — given the risk if they get a classification wrong could mean having to pay out for an entire, multi-years employment term.

Meanwhile, in the UK, the government has been looking at whether it needs to change employment law to take account of modern working practices, such as app-enabled gig economy jobbing.

The government commissioned an independent review of modern working practices, which was published in July, and included recommendations such as creating a new classification for workers on tech platforms to separate them from what it dubbed the “legitimately self-employed”.

Though it’s still not yet clear which of the review’s recommendations it might act on.

In October a UK parliamentary committee questioned representatives from Uber and Deliveroo — including quizzing the companies on sick pay and whether they are always paying the national minimum wage.

Uber told the UK committee that should it have to fund workers rights for all circa 50,000 self-employed drivers on its platform in the UK it would cost the business “tens of millions” of pounds.

Given all this legal and political noise around gig economy rights, Uber’s moves in Europe to begin offering insurance products appear geared towards trying to shrink its liabilities as well as ease political pressure and steer off the risk of a major regulatory clampdown that could enforce rights across the board for gig economy workers.

The Uber Eats courier insurance package is one of several initiatives between Uber and AXA, according to the company.

Uber also claims it’s “the first of its kind to provide protection across multiple countries”.

In the event of an accident it says the courier will “simply have to fill in an online claim form available via the Uber Eats app”.

Here’s the full breakdown of the benefits offered by the package:

Personal accident during an Uber Eats trip

  • Reimbursement for medical expenses from an accident that results in hospitalization (hospital costs and also all the related consultation costs, pharmaceutical costs, X-rays and medical tests up to €7,500).
  • If the hospitalization is of 3 consecutive nights (72 hours) or more, a lump sum payment of €3,000 will be made.
  • In case of permanent total disability, a lump sum payment will be made of €30,000.
  • In case of accidental death, a lump sum payment will be made to the beneficiary of €30,000 as well as reimbursing up to €3,000 for costs relating to funeral expenses.

Cash benefit for severe sickness or injury

  • If an active Uber Eats courier suffers from any severe sickness or injury leading to hospitalization of more than 3 consecutive days (72 hours), the courier will receive €50 for each day they are confirmed medically unable to work (up to a maximum of 15 days).

Third party cover during an Uber Eats trip

  • Coverage for any legal liabilities for bicycle (or pedestrian) couriers relating to third party bodily injuries and third party property damage up to a maximum of €1,000,000.

Commenting in a statement, Filip Nuytemans, Uber Eats general manager for Europe, said: “Uber Eats couriers can now enjoy the freedom and flexibility of working on their own schedule with the peace of mind provided by additional security and protection.

“This is a reflection of our commitment to invest in solutions that meet the everyday needs and concerns of couriers who want to partner with Uber Eats to earn some extra money.”

In another supporting statement, Rob Brown, CEO of AXA Corporate Solutions, flagged up what he described as growing complexity in business environments, including “profound changes are brought in by the digital revolution”, adding that Axa’s goal is to “support changes by offering appropriate solutions that meet the changing needs of the workforce”.

At the same time, ‘insurtech’ startups such as Zego are spying a similar opportunity. In its case it’s currently providing vehicle insurance cover for gig economy workers on a pay-as-you-go basis. It closed a £6M Series A in November, led by Balderton.

Update: The Independent Workers of Great Britain union, which has been involved in various gig economy workers rights campaigns in the UK, has now replied to our request for comment on the move by Uber.

IWGB couriers and logistics branch secretary Jim Benfield told us: “This move is clearly a reaction to the pressure of organised workers in the so called ‘gig economy’. But instead of actually respecting the rights these workers have in law, Uber has opted for this PR stunt that will have little to no effect on most workers’ lives. In most cases, workers will not get any sickness cover, as this policy will only pay them if they are hospitalised.”

“The offer to cover hospital costs is also meaningless in the UK, where healthcare is free at the point of use. Furthermore, this health insurance will only cover medical costs when injuries are sustained while doing a delivery and doesn’t cover the endless hours couriers spend logged on to the app desperately waiting for jobs. There is no alternative to worker rights — and trying to substitute them through third parties with a profit motive is a nightmare waiting to happen.”

More From this publisher : HERE ; This post was curated using : TrendingTraffic


  • A 12 week program to transform your lower body.
  • Struggling with affiliate marketing Get free help today with Affilorama
  • Over 150 fresh coastal recipes for a relaxed gluten-free lifestyle.
  • Organize your home, your office and your life with finally organized, finally free.
  • Work Less, Live More By Downshifting Your Lifestyle
  • Put small animated peel image at the top corner right or left on webpage
  • Clickbank Ads

    If you like our content help us with a share… or two …  

    Also -  I have some free stuff for you .......

    Nr 1. In This FREE Report you can Discover:

    Secrets to acquiring the freshest, hottest leads via YouTube In-Stream ads quickly and easily! Best secret tips for the most effective targeting for your ads! Totally legal, but little-known method for literally stealing traffic from your competitors! Get more traffic to your videos and landing pages without spending a fortune! And much more - all within this special FREE report!


    Nr 2. Did you know you can Absolutely EXPLODE YOUR EMAIL LIST FOR FREE with UNTOUCHED offline sources?


    Nr 3. The #1 secret to becoming an affiliate superstar - Earn your first $100 online – without a dime to invest.

    If you’re still looking to “make it online – I have just the thing for you. It’s a video series that shows how to make your first $100 online – even if you don’t have a dime to invest. Yes – nothing.  Free.  Nada. Is this possible? You bet. It’s the most powerful system used by those “in the know”. Good things don’t have to be difficult. And they don’t only come to those who wait. Have A Look


    Nr 4. Top 10 Email Marketing Mistakes. Which of these mistakes do you make?


    Nr 5.  You can learn about : The hottest social networking site that will send an unlimited stampede of traffic to your site - for FREE! How to quickly locate a swarm of hungry buyers using "information portals"! The fast and easy way to use simple images to siphon targeted traffic, on command! Learn how to get the most possible traffic from Instagram, and make sure that traffic converts! And much more ...


    Nr 6. It’s no secret… Facebook is an incredible place to get tons of free, viral traffic. But… most people are going about it all wrong.  How many of these mistakes are you making? Download the free report to find out.


    Nr 7.  Special free report .  It's called "Operation Midas Touch" and you can download it here...

    The report features a surefire method for generating at least $1000 per week online,without a website or product of your own!

    Nr 8.  Instagram is still one of the hottest ways to get a LOT of traffic fast. All by sharing images. Sounds easy enough, yeah? Well, yes and no. If you want to really start driving a lot of  traffic and making sales using Instagram then you should download this report.

    Nr 9.  When it comes to creating a product online there are so many ways to approach it. Wouldn’t it be great to just get the meat of it all so you can get started faster? Well, the good news is, today you can download a guide called the Product Creation Formula Quickstart Guide. It’s as the title suggests - a Quickstart guide. You’ll get a list of action steps to take right away. Download your copy today !

    Nr 10. Would you like to finally USE all of that dusty PLR you have sitting around on your harddrive? Or maybe find the resources for the best PLR available - at the best prices? What about how to use that PLR to make you money with just a few minutes of work. Well, you’re not going to want to miss this!

      Nr 11. Buzzfeed’s top post has more than 21 million views. Think about that for a sec… ONE of their articles has had over 21 million people who have read it! And they have thousands of articles... what would you do with that kind of traffic? A friend of mine hacked their method and was able to use it to get 11,592 targeted new subscribers in 2 weeks on their very first attempt!

    Nr 12. Push notifications are one of today's hottest trends in website traffic and conversions, and for good reason. Studies have shown that as many as 40% of people will opt-in for push notifications, which is about TEN TIMES the rate of people who opt-in for emails! That’s huge! Not only that, but they're also highly effective at pulling clicks, as well. Some studies have shown CTR at an average of around 40%, with highs of as much as 80%! Again, that’s huge!

    Nr 13. Would you like to know how to get more money from the exact same number of website visitors you’re currently getting? Even if you’re website is getting as few as 1-2 visitors a day, this report will show you how to increase your profits using these few handy hacks.

    Nr 14. People have now realised that it's not the size of the list which matters, it's the quality. ... and the only way to create a quality list is by launching your own products. Let it be $7 ebooks, $17 info products, $27 video training product or software's... all of these work. My good friend Kevin Fahey has is revealing how he's launched over 20 products in the past 4 years, many of them top sellers. Needless to say he's banked a handsome amount in this time.

    Nr 15. Do you ever feel that the man you like or even love, just doesn't see you or desire you in way you want him to? Or... maybe you're able to get a man's attention though not the right kind of attention? Or... maybe you're still single because you wait and wait for men to approach you first? What you may not know is that the way we flirt will either attract the "wrong" man for us or the "right" man.

    Nr 16. When it comes to getting sales and leads online, there is ONE thing that 95% of marketers use... it's called a LIST. My friend Jimmy just released a free book that explains WHY a list is important and how YOU can build your own list. It's available right here (and it won't cost you a penny)

    Nr 17. If you have tried everything, and still aren't able to get your Ex back, then you need to pay attention.

    Nr 18. What if I told you that you could make ANY woman WANT to do ANYTHING for you? Would you think I'm crazy? Well... what If I told you that you could also make her LOVE every minute of it and come back for more?


    Nr 19. I have a special free plugin for you today. It's called "Covert Hover Mini"

    This plugin will triple your blog traffic by compelling your visitors to share your images on social media. This is some really clever stuff and it works like a charm. After you grab your free plugin, don't  forget to read the free bonus report as it will show exactly how and why this strategy works like crazy.

    Nr 20. The days of being able to get away with a basic WP theme and a pic or two are gone, your site needs to look good. Even Google are looking for you to have engaging graphics on your site. But getting good quality graphics made for your site is a pain, AND it will cost you both time and money (if you outsource it). But I have a special free download for you today. A virtual treasure chest of over 21K profit pulling graphics you can start sing today to generate more traffic & sales!

    Nr 21. 20 professional full HD background videos. These background videos are perfect for giving your videos that extra kick they need to stand out from the crowd Oh yeah they are in full 1080p HD too, I hope you'll enjoy them.

    Nr 22. If you've ever failed to create a WordPress site of your own or typically waste hours & even weeks trying to figure it all out on your own....

    Nr 23. No doubt, you've seen all of the video launches lately! There is a reason for it... Video marketing is a GREAT way to make money, and with the recent creation tools making it super accessable for anyone to get started... It's no surprise that more people are making videos. However... there is a missing element to most video marketing products...

    Nr 24. For the first time ever... You can get the straight scoop on how someone is selling over $1,000,000/year of t-shirts on Facebook!

    Use them  .... and have fun !