Have you been involved in an accident?

When you use the app as a delivery driver, Qover and Chubb offer free insurance for your benefit. The aforementioned insurance covers you while you use the Glovo application, from the moment you log in to the application until 1 hour after you have closed the session. Therefore, as long as you are on the road connected using Glovo, insurance will protect you in the event of an accident. The details provided below are for informational purposes only and are not contractual. See the Terms and Conditions for the full list of coverages and exclusions.

Your insurance in a nutshell

Insurance company will pay *

The below applies if you had an accident while using Glovo

• Your medical expenses, including dental treatment
  
• A compensation for some fracture, dislocations & sprains*
  
• A daily indemnity up to 30 days in case you can't work following an accident
  
• An indemnity in case of death, permanent or partial disability
  
• An indemnity for funeral expenses, including funeral cost
  
• An indemnity for your family in case of death

Insurance company won't pay *

• The medical expenses that occured more than 30 days after the accident
  
• Not all type of fracture, dislocations & sprains are covered
  
• If you can't work following an accident, the first 7 days of your temporary incapacity
  
• If you were under influence (e.g. alcohol or drug)
  
• If you caused the accident intentionally
  
• The damages you have caused to third parties
  
• Your material damages (e.g. phone or bike broken)

* See the full list of exclusions and coverages in the general conditions of the insurance

Descargar el resumen de las condiciones generales

Your income is protected in the event of an accident

If after an accident you suffer a disability that prevents you from performing your activity, the insurance will cover the amount of the benefit indicated in the policy. You will receive compensation from the eighth day of temporary total disability.

Accident Medical Expenses

If you suffer a slip, fall off your bike or have a car accident and suffer a broken arm or leg while using the Glovo application, the insurance company will cover a percentage of the benefit amount indicated in the policy.

Benefit: up to Ksh 65,399.12

Hospitalization expenses

Cost of doctor's visits

Pharmaceutical expenses

Cost of X-rays

Surgical procedures and medical examinations

Emergency dental treatment

costs related to a fracture

dislocation or sprains

the purchase/rental of necessary medical equipment (e.g. crutches, special fracture boots, etc.)

Fractures, dislocations and sprains

The insurance will cover up to the maximum benefit amount indicated in the policy for the following medical expenses if they occurred within 30 days from the date of the accident.

Benefit: up to Ksh 130,798.25

Not all fractures are covered by the insurance, please refer to the Terms and Conditions for further details.

Protects your income

Your accident insurance provides you with income support in case you are unable to perform your activity after an accident while you are connected using Glovo. Accommodation expenses, fees, analysis, medicines... your hospital bill can quickly reach exorbitant amounts in case of an accident. Thanks to the extensive coverage of this insurance, you no longer have to worry about it.

Benefit: Ksh 653.99 per day, payable for a maximum of 30 days

Costs related to a fracture

In case of disease

If you suffer from a disability as a result of the disease that will prevent you from using the courier application, the insurance company will pay the amount of benefits specified in the policy table. You will receive compensation from the eighth day of total incapacity to work.

Benefit: maximum Ksh 1 ,347.10 per day, payable for a maximum of 30 days.

The condition of covering insurance is to carry out at least 30 supplies through the application in the last 8 weeks before the disease occurrence

If you're using Glovo for over 60 days, Ksh 1 ,347.10 a day or 75% of your average salary (depending on which value is lower) to 30 days

If you used Glovo for less than 60 days, Ksh 673.55 per day up to 30 days

The insurance company will not pay:

Medical expenses occurring more than 30 days after the accident

Not all types of fractures, dislocations and sprains are covered

If you are unable to work after an accident, the first 7 days of temporary disability

If you were under the influence of substances (e.g., alcohol or drugs)

If you intentionally caused the accident

Property damage (e.g. broken telephone or bicycle)

See the complete list of exclusions and coverages in the general conditions of the insurance.

Extra Benefits

What if you become a parent ?

Giving birth to or adopting a child is usually one of life's best moments. But financially speaking, it is not always easy. Unfortunately, difficult events of varying degrees of drama can occur and we believe that it is also our role to be present in these serious moments, among other things by providing financial support.

Benefits: up to Ksh 36 ,371.70 per child or in case of multiple birth

Birth/multiple birth

Adoption

Still birth

Non-medical related expenses for child care

Childminding

Postpartum depression

In which situations do we not pay if you become a parent:

If you haven't used Glovo and haven't performed a minimum monthly average of 30h over the last 6 months before claiming

If 2 riders are having a child together, total benefit is paid once

Maximum 1 claim in a 12-month period

Claims occurring during first 6 months of being a rider are not covered

Death or in permanent incapacity following an accident while using Glovo App

Any urgent expenses (burial advance, funeral taxes etc.)

Urgent expenses

Some situations require immediate action on your part, and this can quickly turn out to be expensive. Under certain conditions, we will help you cover a part or all of the expenses incurred in emergencies.

The benefit will NOT be deducted from the “standard” accident coverage, it is an extra benefits.

Benefits: up to Ksh 17 ,512.30

In which situations do we not pay in case of urgent expenses:

If you haven't used Glovo for at lest 10h during the last 6 months

We will need at least one document moving the event (e.g. death certificate)