Uber Insurance

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Why compare cheap Uber Insurance with Utility Saving Expert

Ride-hailing apps have been on the rise and are now incredibly popular in large cities in the UK and around the world. They offer flexibility to drivers and a streamlined booking and payment process for customers.

Whilst innovative apps like Uber make it easy to hook up passengers with transport providers, there are some preparations you'll need to put in place as a driver before you can begin. For example, ensuring you have a commercial insurance policy in place.

If you operate a vehicle, you need the right kind of insurance. Choose a policy that is appropriate for your car and covers you for the purpose you're driving it. If your work involves transporting passengers, taxi insurance should provide sufficient cover if you'll be you providing a service through popular on-demand taxi apps like Uber

Getting insured to drive for Uber

Standard car insurance won't meet your needs as an Uber driver because you'll be operating your vehicle for business purposes. You'll need a 'hire and reward' policy for your taxi insurance, even if you use a personal car for Uber driving. You won't be permitted to drive for Uber if you don't have sufficient cover.

Driving without the correct insurance is extremely high risk. You comply with legal guidelines and get the right policy for taxi driving because if you are involved in an accident whilst driving for work, standard car insurance won't cover you and will probably be invalidated if you try to make a claim. The safest thing to do is to find a policy that offers adequate cover to give you peace of mind whilst you work.

Uber has some official insurance partners around the world, which may also protect you against loss of income or provide maternity or paternity payment for new parents. However, you aren't limited to using these partners. Many insurers provide specific Uber insurance or taxi insurance, which are dedicated policies that should suit your needs.

You can find policies from trusted insurance providers at the best rates using our free online comparison tool.

The cost of Uber insurance

Uber car insurance is usually more expensive than car insurance for domestic use. One reason for this is that Uber tends to operate best in large towns or cities. Quotes may be more expensive if the areas you'll cover whilst driving are busy and built up, with congestion on the roads, higher likelihood of crime, or if it's expected you'll be driving during the night.

If you cover busy city areas for work, you might be able to bring down your insurance premium if you live in a quieter or more rural area where you can park safely off-road at night, with less chance of having a vehicle broken into. Those living in smaller towns and villages close enough to cities where Uber is thriving should be able to benefit from this.

Driving in an area like London can greatly influence the price of insurance quotes available to you. As the UK's capital and largest city, Uber is thriving in London and is in high demand. However, it's also a heavily built-up city with the potential for crime and traffic accidents, meaning policies can be expensive. It's important to balance the cost of insurance cover with customer demand.

Uber drivers will also cover more miles and spend longer on the roads than the average person driving for domestic use. From an insurance perspective, the more time spent behind the wheel of your car, the more likely it is that you'll be involved in a road accident. You can do your best to counter this by maintaining a clean driving license, strictly adhering to the highway code, avoiding speeding or parking fines and keeping your no-claims bonus. All of this contributes to showing potential insurers that you are a careful and responsible driver who is unlikely to make a claim.

When calculating the cost of your insurance, a wide variety of factors are at play, including:

  • where you live
  • where you will operate whilst driving
  • where you will park whilst off-duty
  • how old you are
  • your driving experience
  • your driving history
  • the type of vehicle you operate.

If you're concerned about finding reasonably priced Uber taxi insurance, the best thing to do is shop around. Compare policies using Utility Saving Expert's comparison tool and you will have instant access to the cheapest deals with a range of coverage options from trusted insurance companies. From the results we generate, you're guaranteed to find the most competitive policy that suits your needs.

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Types of Uber insurance cover

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

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

Comprehensive cover provides the most extensive protection for Uber drivers, and often covers damage to yourself and your 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 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 policies

Some 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 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 insurance for Uber driving and personal use without checking. It's wise to read the terms and conditions carefully to verify that your insurance won't be voided unintentionally. If driving for personal use isn't covered, you might be able to add this for an extra fee.

Public liability insurance

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. 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.

Payment patterns

Uber insurance policies can be scheduled into weekly, monthly or annual payments, reflecting what works best for you. 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 insurance in a single annual payment will usually offer the best value for money.

Common exclusions and restrictions

Fleet insurance

If you are a business owner running a 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.

Age restrictions

Most 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 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 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 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.

Getting started

Uber locations

Operating in over 600 cities across 65 countries worldwide, Uber has created a global tyre print for the taxi-hailing app industry. The ridesharing experience is still growing in the UK, with Uber available in 20 cities, giving you plenty of freedom to choose the area you'd like to cover.

Comparing Uber taxi insurance

You can start comparing options for Uber taxi insurance using Utility Saving Expert's free online tool instantly. It takes just a couple of minutes to add relevant information about yourself and your driving history, with some details about your vehicle, and our tool will instantly generate competitive insurance policies tailored to your needs.

Once your insurance is in place, you can start driving your vehicle to transport Uber passengers with peace of mind that you have secured cover with the best possible value for money.