Uber Insurance

What insurance do Uber drivers need?

In the UK, Uber drivers are legally required to have private hire taxi insurance at a minimum. This type of insurance covers you to drive passengers for hire, as standard car insurance usually doesn’t provide protection for this. Since you operate as an independent contractor, you’re responsible for sourcing this insurance, alongside any additional cover you may require.

Uber drivers operate on a private hire basis, meaning they only service pre-booked rides rather than picking up passengers from the street, like a traditional London black cab. If you plan to drive in London, Uber may also ask you to use one of their approved insurers. ChoiceQuote’s insurer panel includes approved providers that can offer suitable cover.

Uber drivers may also want to consider dedicated Uber taxi insurance to help protect against other potential risks. This could include cover for vehicle breakdowns, legal expenses, or loss of earnings if your car is off the road. With additional cover, you can help ensure you’re protected from unforeseen risks while working.

What types of insurance can Uber drivers get?

As with most vehicle insurance policies, you can choose between different levels of taxi insurance, including:

• Third party only (TPO)
  • The most basic level of insurance needed to drive legally. It covers you in the event of a third-party accident, but only for damage to their vehicle and their property.
• Third party, fire and theft (TPFT)
  • Covers you against damage to third-party vehicles, including fire and theft of your Uber vehicle.
• Comprehensive
  • The top level of cover that can cover many damage claims, including accidents, injuries, fire, theft, and even loss of keys. This covers you and your vehicle as well as other people and their property. Fully comprehensive policies can also insure you against medical claims and legal fees if you’re found to be at fault.

What does Uber insurance cover?

Depending on the level of cover you choose, Uber insurance can provide:

• • Private hire and personal use cover: Protection for using your vehicle both for private hire work and personal activities.
  • Costs for damages: Cover for damage to your own vehicle, other vehicles, drivers, and their property in the event of an accident.
  • Loss, damage, or theft: Protection against loss or theft of your vehicle, or damage caused by unforeseen events such as fire or vandalism.
  • Public liability insurance: Cover to protect you against personal injury and compensation claims. This can include if a passenger is injured or their property is damaged while getting into or out of your vehicle.

It’s important to review your policy wording carefully to ensure it includes everything you’re looking for, including both work and personal driving.

Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

What optional extras are available for Uber Insurance?

In addition to your policy, many insurers offer optional extras to enhance your cover and provide further protection for you and your business. These can include:

Public liability insurance

This cover can provide protection against claims made by passengers or third parties for injury, death, or property damage. Public liability insurance can be particularly important to consider for added peace of mind and financial protection, as compensation claims can be very costly.

Breakdown cover

Breakdown cover helps ensure you’re not left stranded if your vehicle has mechanical issues. Some policies include roadside assistance, vehicle recovery, and repair services, so you can get back to work quickly.

Replacement vehicle

If your car is off the road due to an accident or repairs, replacement vehicle cover can help ensure you have a temporary vehicle. This means you can continue working while your car is being repaired.

No claims discount protection

This optional extra helps you keep your no claims discount even if you make a claim. It’s can be a valuable feature that can help lower insurance costs over time, especially for experienced drivers with a strong claims history.

Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

Who choose ChoiceQuote for Uber Insurance?

At ChoiceQuote, we work with you to understand the nature of your work and the risks you face as an Uber driver. With flexible policies and a dedicated team, we want to make it simple to stay protected on the road.

• Flexible insurance for Uber drivers: We offer tailored policies that match your private hire requirements, including options for both personal and business use.
• Here when you need us: Our UK-based team is on hand to provide guidance and support.
• Options for all drivers: We work with insurers offering policies for drivers aged 23 to 75.
• Convenient payment options: Choose from a range of repayment options to suit your budget.
• UK-based customer service: Our friendly team is based in the UK and is available to discuss your policy and help you find suitable cover.

Get an Uber insurance quote?

Call us on 01625 885046 or get a quick quote online to find a policy that works for you.

Frequently Asked Questions

Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions please see the policy.