With Ride Cover, you’ll be eligible for a Delay Voucher of PHP 50 if your Grab driver arrives 15 minutes late after the estimated time of arrival. Perfect for when things like unexpected traffic jams happen. Furthermore, you will also be entitled to a free Personal Accident Insurance with a maximum benefit of PHP 1,000,000 on top of Grab’s existing coverage.

How Ride Cover works

Simply opt in to Ride Cover for PHP 10 per trip. Upon opt in, PHP 10 will be added to subsequent eligible fares.
In the event of an unforeseen accident, easily re-trace your ride in-app to file a claim.

You’ll be compensated if You’ll receive
Your pickup is delayed by more than 15mi minutes after the estimated arrival time A PHP 50 Grab Ride voucher will be added to 'My Rewards' once your eligible journey has been completed; your voucher will be valid for 6 months
You get into an accident during your eligible car ride in Philippines A claim of up to PHP 1,000,000 for death or permanent disability, on top of Grab's existing coverage

.

Extra protection made extra convenient

Enhanced protection

Get free personal accident coverage of up to PHP 1,000,000

Protection when needed

One time opt in via the Insurance tile

Affordable peace of mind

Get covered for only PHP 10 per ride

FAQs

General Enquiries: Opt-In & Rides Eligibility

Ride Cover is a program consisting of a Pick-up Delay Voucher which you have availed and paid for while you are booking a Grab ride (“Ride Cover Program”). 

By opting into the Ride Cover Program, you will be eligible for a free Personal Accident cover under the Grab Personal Accident Cover Group Insurance Policy (“Group Policy”), underwritten by Insurance Company of North America (a Chubb Company), which is paid by Grab as the policyholder. A copy of the Group Policy is available here

You can go to ‘Insurance’ in your Grab App homepage screen and tap on Ride Cover under the ‘Explore Plans’ tab.  You will be able to read all the important information relevant to Ride Cover and will also be able to opt into Ride Cover from that page.

You can go to ‘Insurance’ in your Grab App homepage screen and look under the ‘My Plans’ tab to see the status of your Ride Cover plan.  If you do not see Ride Cover as one of your plans, it means you have not opted in and you can opt into the plan.

If you have opted into Ride Cover, you will be charged a Ride Cover Fee (“Fee”) on eligible rides. You will be able to see this in the ride receipt that is emailed to you after your ride has been completed.

If you pay for any ride using cash or corporate billing, that ride will not be eligible for Ride Cover. You will not be charged the fee for the ride even if you opt-in.

Only cashless transactions on GrabCar and GrabTaxi rides are eligible.

No. Once you have opted in, the fee will be added to every eligible ride.  If the fee is charged for a ride, that ride is covered by Ride Cover.

If your pick-up is delayed for more than 15 minutes after the given estimated arrival time, we will send you an inbox message to let you know that you qualify to receive the PHP50 Grab ride voucher. You will only receive the voucher when the ride is completed

Pick-Up Delay Voucher is not an insurance product. It is an exclusive feature to Ride Cover.

General Enquiries: Booking Experience

If the fee was not charged, that ride is not eligible for Ride Cover and the pick-up delay benefit does not apply.

General Enquiries: Opt-Out Experience

If you have previously opted in to Ride Cover, you can go to ‘Insurance’ in your Grab App homepage screen and tap on Ride Cover under the ‘My Plans’ tab.  You will be able to opt-out by clicking on the plan.

General Enquiries: Payout Experience

If you qualify for the voucher (the pick-up was delayed for more than 15 minutes after the given estimated arrival time), you will receive an inbox message informing you that you have received the PHP50 Grab ride voucher from us.  You can find this voucher under the ‘My Rewards’ tab in GrabRewards.

Yes, if the pick-up was delayed for more than 15 minutes after the given estimated arrival time.

If you cancelled the pick-up delayed ride, you will only receive the PHP50 Grab ride voucher if your pick-up was delayed for more than 15 minutes after the given estimated arrival time. 

Yes, you will only qualify if for the voucher if your pick-up was delayed for more than 15 minutes after the given estimated arrival time.  If you need assistance, please submit a form at  I have an issue with Ride Cover so we can assist you

General Enquiries: Fraud Management Experience

Fraudulent activity has been detected on your Grab account.  If you need assistance, please submit a form at  I have an issue with Ride Cover so we can assist you

Personal Accident

In the event of the Insured’s Accidental Death during a trip that is booked through the Grab Platform, Chubb will pay the person or persons indicated under the clause “To Whom the Benefit is Payable” the Accidental Death Benefit specified in the Policy Schedule.

If during a trip that is booked through the Grab Platform, an Insured suffers a Loss or Permanent Total Disability, within one hundred eighty (180) days, as certified by a Physician, Chubb will pay the Insured the Accidental Permanent Total Disability Benefit as specified in the Policy Schedule.

Chubb will pay the Insured the Accidental Permanent Total Disability Benefit according to the percentage limit described in the Table of Events found in the Policy up to the maximum benefit limit specified in the Policy Schedule.

If the Insured incurs Medically Necessary Expenses as a result of an accident during a trip that is booked through the Grab Passenger App by a Grab Passenger, the Company will reimburse the Insured, upon production of the original invoice(s) and/or receipt(s), for costs incurred up to the limit specified in the Policy Schedule.

To be eligible for cover, the Insured must be a Philippine resident and between the ages of eighteen (18) years and sixty-five (65) years on the Effective Date of the Group Policy.

Death resulting from deliberate or self-inflicted injury or occurring from suicide, criminal or illegal activities will not be covered.

  • Originally signed claim form
  • Duly registered death certificate
  • Duly registered birth certificate of the Insured
  • Autopsy Report/Medico-Legal Statement
  • Official Police Report and other related reports i.e. interoffice accident report, newspaper clippings, etc.
  • Affidavit of witness/es
  • Available photos taken at the incident scene
  • Proof of relationship of the beneficiary (such as marriage contract, birth certificate, baptismal, etc.

Benefits, if any, are payable to the Insured, if alive otherwise, to the person or persons then surviving in the following order of preference:

  • Legal spouse;
  • Children;
  • Parents;
  • Brothers and sisters;
  • Insured’s estate.

You may contact us at the following:

Customer Service Hotline

Tel: +63 2 8496000

Fax: +63 2 3258027

Email: philippines.cs@chubb.com  

Office Hours: Monday to Friday, 8:30 am – 5:30 pm

The Ride Cover Program is not an insurance product. It is an enhanced service provided to you by Grab. The Personal Accident Cover is a group policy arranged and sponsored by MyTaxi.PH, Inc. as the policyholder. The Personal Accident Cover’s group policy is underwritten by Insurance Company of North America (a Chubb Company).