Last week gig economy powerhouse Deliveroo announced that it would start offering its couriers the option to buy insurance that will minimise the financial burden of being injured, ill, or generally unable to work. Not to be outdone, UberEats has confirmed that it will be giving couriers in some European countries similar insurance - the main difference being that it'll be free.
Couriers in nine European markets (UK, Austria, Belgium, Italy, the Netherlands, Poland, Portugal, Spain, and Sweden) will have the option to take up the insurance free of charge. It'll be introduced from 8th January 2018, and will include personal accident insurance during deliveries, cash benefits for sickness or injury (up to 15 days), and third party liability cover up to €1 million (£879,860). Here's the full breakdown:
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 [£6,599.25]).
- If the hospitalization is of 3 consecutive nights (72 hours) or more, a lump sum payment of €3,000 [£2,639.70] will be made.
- In case of permanent total disability, a lump sum payment will be made of €30,000 [£26,397].
- In case of accidental death, a lump sum payment will be made to the beneficiary of €30,000 [£26,397] as well as reimbursing up to €3,000 [£2,639.70] 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 [£44] 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 [£879,860].
In the event of needing to claim, couriers will simply need to fill out a form in the UberEats app.
While the sick pay isn't quite as extensive as what Deliveroo has to offer (75 per cent of your average wage for 26 weeks if you're too ill to work), the medical expenses seem reasonable comprehensive. The fact that it's complimentary is always a big advantage as well. This also isn't the first time Uber has made this kind of insurance available either. Back in April it was announced that UK drivers would be eligible for illness and personal injury cover - though that requires paying £2 a week.
Though I'm sure news is definitely nothing to do with the fact companies like Uber and Deliveroo are facing increasing scrutiny about the fact their staff are officially categorised as self-employed and therefore not entitled to basic statutory rights like minimum wage and sick pay. [TechCrunch]