Glovo
in association with Ferrer&Ojeda
Report a claim
Glovo rider.

Have you suffered an accident?

We are here to help you

Enjoy all the protection and advantages of being a member of the Glovo community.

If you suffered an accident on April 14th or before
Report a claim
If you suffered an accident on April 15th or after
Report a claim

Your insurance in a nutshell

Any accident can be very costly.

Discover what is covered 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
  • 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)
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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 GHS 7,104.53
  • Hospitalization expenses
  • Cost of doctor's visits
  • Pharmaceutical expenses
  • Cost of X-rays
  • Surgical procedures and medical examinations
  • Emergency dental treatment

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 GHS 10,656.79
Not all fractures are covered by the insurance, please refer to the Terms and Conditions for further details.
  • Costs related to a fracture
  • Dislocation or sprains
  • The purchase/rental of necessary medical equipment (e.g. crutches, special fracture boots, etc.)

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: GHS 71.05 per day, payable for a maximum of 30 days
  • Costs related to a fracture

The insurance company will not pay:

Medical expenses occurring more than 30 days after the accident Medical expenses occurring more than 30 days after the accident
Not all types of fractures, dislocations and sprains are covered 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 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 were under the influence of substances (e.g., alcohol or drugs)
If you intentionally caused the accident If you intentionally caused the accident
Property damage (e.g. broken telephone or bicycle) Property damage (e.g. broken telephone or bicycle)
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Financial protection for your family

This insurance provides financial protection for your loved ones in the event of death after an accident. This insurance also protects you in case of total or partial disability due to an accident.

Accidental Death

The sum insured helps to financially protect the future of your loved ones and to maintain your family's standard of living.

  • In case of death in an accident. Benefit: GHS 78,149.81
  • Coverage up to one year later. Benefit: GHS 78,149.81
  • Orphan's pension. Benefit: GHS 39,074.91
  • Funeral expenses. Benefit: GHS 21,313.59

Repatriation. Accompanying family members

Repatriation to country of origin in case of death or total disability. The insurance also covers the cost of accommodation of an accompanying person in hospital (in the event of hospitalization for at least 7 days) and/or in the event of repatriation.

Repatriation benefit: GHS 1,776.13 per day (max. 5 days)
Hospital family visit allowance: GHS 1,065.93 per day (max. 10 days)
  • Repatriation
  • Accompanying family members

Legal assistance

Legal expenses for your defense and possible claims are covered by the insurance.

Benefit: GHS 35,531.00
  • Legal assistance

Total or partial permanent disability

If due to an accident you become permanently disabled, the insurance will cover the amount of the benefit indicated in the policy.

Permanent total disability
Benefit: GHS 78,168.21
Permanent partial disability
Benefit: up to GHS 78,168.21

Permanent partial disability

Total loss of an arm or hand 100%
Total loss of movement of the shoulder 30%
Total loss of movement of the elbow or wrist 20%
Total loss of the thumb or index finger 30%
Loss of three fingers, other than the thumb or index finger 30%
Loss of the thumb and one other finger, other than the index finger 30%
Loss of three fingers, including the thumb or index finger 30%
Loss of the index finger and another finger other than the thumb 30%
Loss of thumb 30%
Loss of the index finger 30%
Loss of the middle, ring, or little finger 30%
Loss of two of the latter 30%
Loss of leg above the knee 100%
Loss of leg below the knee or foot 50%
Partial amputation of one foot, including all toes 50%
Complete deafness in one ear 50%
Removal of the lower jaw 30%
Unhealed fracture of a leg or foot 25%
Unconsolidated patella fracture 20%
Total loss of hip or knee movement 20%
Shortening of at least 5 cm of a lower extremity 15%
Loss of the big toe 10%
Total loss of one eye or halving of binocular vision 80%
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Do you have any questions?

We are here to help you with any incident you may have had.