Uber Taxi Insurance

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What is Uber insurance?

Uber insurance is a bespoke form of vehicle cover designed for drivers who utilise their cars to provide ride-sharing services, specifically with Uber.

Unlike standard car insurance, Uber insurance takes into account the heightened risks involved in transporting fare-paying passengers. It fills the void between personal car insurance, which usually doesn’t cover commercial use, and commercial vehicle policies that insure cars for business use.

This type of insurance aims to safeguard both the driver and passengers in the event of an accident, theft, or damage to the vehicle whilst undertaking ride-sharing duties. It typically encompasses liability cover, which is crucial for financial protection if you are deemed responsible for an accident. Moreover, Uber insurance might include comprehensive and collision cover, offering a more extensive safety net while working.

It is crucial to recognise that while Uber provides certain insurance for drivers when they are active in the app and carrying passengers, this cover might not apply when the driver is awaiting a ride request or driving the car for private purposes. Hence, obtaining Uber insurance is vital to ensure uninterrupted cover and adherence to the legal stipulations for ride-sharing operators in the UK.

What insurance do Uber drivers need?

Uber drivers in the UK need a specific type of cover known as private hire insurance, also referred to as Hire & Reward insurance.

This is essential for drivers who transport pre-booked passengers or deliver food and parcels for payment. The insurance is tailored to professional drivers who may be affiliated with local or national taxi firms, or rideshare applications such as Uber, Ola, and Bolt.

Private hire insurance, sometimes called PCO insurance, minicab insurance, or taxi insurance, is distinct from standard motor insurance. It is designed to cover licensed drivers whose primary occupation is carrying passengers. Regular car insurance policies do not provide cover for these commercial driving activities.

The level of cover chosen can protect not only the Uber driver but also their vehicle, passengers, and any third parties involved in an incident. It’s a legal requirement for Uber drivers to have this insurance to operate legally in the UK, ensuring they are covered for the unique risks associated with their line of work.

The cost of an Uber insurance policy

Types of Uber driver insurance cover

As with all car insurance, you can choose between three types of policy for private hire Uber taxi insurance. This ranges from basic to extensive cover:

  • Third-party only
  • Third-party, fire and theft
  • Comprehensive

Comprehensive phv insurance cover provides the most extensive protection for Uber drivers, and often covers damage to yourself and your phv vehicle if you are involved in an accident, as well as compensation for anyone else involved, and includes incidents outside of your control like fire or theft.

At the other end of the scale, third-party only phv policies offer the legal minimum with the most basic level of cover. This will protect other people, vehicles and property in the event of an accident that was your fault.

NOTE: If you are delivering food for uber-eats, you will need Uber food delivery insurance.

On-demand Uber drivers insurance policy quotes

Some private hire policies may offer on-demand insurance that covers you for Uber insurance whilst you’re working, then switches to a standard car insurance policy after hours, matching the flexibility of your job.

Similarly, you might see ‘personal use cover’ included in some private hire Uber taxi insurance policies. This ensures you are covered to drive the same vehicle you use for Uber whilst you’re off duty, for personal use.

However, don’t assume that you can use the same business private hire insurance for Uber driving and personal use without checking. It’s wise to read the terms and conditions carefully to verify that your business insurance won’t be voided unintentionally. If driving for personal use isn’t covered, you might be able to add this to your Uber insurance for an extra fee.

Public liability insurance quotes

If you’ll be transporting a large number of passengers through your work for Uber, you might consider taking out public liability insurance as an optional extra for your business. This is not a legal requirement and not all taxi drivers take this precaution. However, public liability insurance can offer you another layer of protection, covering you in the unlikely event of legal action and or compensation claims.

Private hire or public hire insurance

Your vehicle will be classified as a private hire taxi if you drive for Uber. You’ll need to take out a private hire taxi licence, rather than public hire taxi license.

UK Uber drivers payment patterns

Uber insurance policies can be scheduled into weekly, monthly or annual payments, reflecting what works best for you. Private hire insurance providers are offering increasingly flexible options to suit Uber drivers who work in the gig economy, such as through temporary car insurance that fits around your own schedule. However, paying for your private hire insurance in a single annual payment will usually offer the best value for money but we suggest you compare all options available to you.

Common insurance exclusions and Uber restrictions

Fleet Insurance

If you are a business owner running a private hire taxi firm with a fleet of drivers, it is usually cost-effective to take out fleet insurance to insure multiple vehicles under a single policy. However, Uber drivers are self-employed contractors who are each responsible for their own vehicle and insurance cover, so fleet insurance won’t be a suitable option.

Uber drivers age restrictions

Most of Uber’s taxi insurance policies will have lower age restrictions, and you’re unlikely to find a good deal if you are under the age of 25. Some policies will cover Uber drivers aged as young as 21 years old, but these will likely be expensive. You’ll find the cheapest uber insurance quotes if you save Uber driving for once you’re over 25 and have built up enough experience to demonstrate you are a safe driver.

Unauthorised Uber drivers

Some policies will allow you to add insurance for your spouse or another named driver to operate the vehicle you use for Uber driving, although perhaps just for personal use. Nevertheless, in most cases, there will be strict limits on the cover provided to unauthorised drivers. Check your Ts and Cs so you don’t invalidate your insurance policy by allowing someone to drive who isn’t insured.

Lack of safety

Most policies will exclude incidents that occur due to a lack of safety that you are responsible for. For example, driving under the influence of alcohol or drugs, reckless or unsafe driving, or thefts after leaving keys inside your car. These situations are easily avoidable and you can commit to driving responsibly, looking after your car and keeping your Uber passengers safe during every journey and are against Uber’s terms and conditions.

Getting started as an Uber driver in the UK

Who can be an Uber driver?

There is a set of criteria you’ll need to meet in order to apply as an Uber driving partner in the UK. To apply, you’ll need:

  • A valid UK driver’s license. (EU license holders must convert their licence before onboarding.)
  • A minimum age of 21 is required.
  • Private Hire Insurance allowing you to transport passengers for hire and reward
  • The bank statement for the account that will be used to receive payments from Uber must be in your name or the name of a business that you own.
  • Profile photo of the driver