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Uber Insurance – Why You Need It

Driving an Uber is pretty much your office on wheels. Like offices/shops and other businesses, it is either legally required or highly recommended to have business insurance to cover you against the risks of running your business. In the case of private hire insurance, it is a legal requirement, and you will not be able to work as an Uber driver without having the correct insurance in place.

Although the Toyota Prius is the most popular choice for Uber Drivers, you can use any car to drive for Uber. The launch of this taxi app has turned the taxi industry on its head. If you have an Uber-enabled car or your vehicle registered with Uber, you will need more than just ordinary car insurance. You need a policy for taxi insurance, an ‘Uber insurance’ if you will.

Why Compare Uber Insurance Quotes?

While a car insurance policy is mandatory for vehicles, it is insufficient for private hire drivers. One key reason for this is that your car will be spending a lot more time on the road, and therefore your cover needs to reflect this and the fact that you will be driving paying members of the public.

As the car owner, it is on you to know what you need in terms of insurance. The extent of cover should be sufficient to keep you on your feet even when you face repairs and are off the road for a day or two. It is doubly important when Uber acts as your primary source of income.

Here are a few things that your Uber insurance should effectively cover:

Liability cover

Commercial vehicles like taxi cabs must have some level of liability cover. If you are involved in a traffic collision where you are at fault, you will need insurance to cover your financial losses. In such cases, you must make pay-outs for injury and other damage to vehicles that your driving might have caused. Commercial vehicle liability can also cover any defence fees if the injured party decides to file a lawsuit against you.

Uber insurance should also cover any bodily injury you may have caused. 

Property damage is another part of your insurance that must be covered. There may also be physical damages that others might get, including vehicles, property, and other assets that may need repairs or replacement.

Protect yourself with Uber insurance

You may also suffer some form of bodily injury that you will have to pay for. Suppose the other party involved in the accident is at fault, but not covered or is under-insured. In that case, your Uber insurance will have to cover you, so use our taxi insurance comparison tool to get to know more about these options.

Physical damage

Physical damage to your vehicle can put you out of business for a short while, and you will be spending a good amount of money getting your car back on the road. Physical damage protection is crucial as you need to make car payments every month if your vehicle is on loan; with your Uber off the road for a few days or even a week, you need some backup money to keep your car in the shed and paid for.

Other physical damages that a car can take may involve vandalism, theft, fire, or any such incidents carried out intentionally. Other things like storm damage, where a tree, for example, may fall on your car, you might want that covered as well. Comprehensive coverage should be able to keep you afloat, so when getting a policy, always go through every clause and make sure you are covered. It makes sense to always compare several policies from different companies before finally buying cover.

Collision damage is also another type of protection that is required. Collision damage is when there is damage only to your cab. It does not involve any other person or assets and vehicles. Think of it like scratching your car against a telephone pole or ramming a tree. Your car will get damaged, but there are no third party damages in this case.

Uber Insurance FAQs

Most questions are best answered over the phone when you discuss quotes with an insurance provider. We have included more general questions below.

Am I not already insured through Uber’s Partner Protection?

Uber offers partner protection to every driver; however, this specifically covers specific life-changing events whilst “on-trip” and “off-trip”. This does not provide you with the cover you are legally required to have as a taxi driver.

How much does Uber Insurance Cost?

The cost of Uber insurance varies depending on your circumstances, experiences, no claims bonus, age, vehicle and more. The best way to get an accurate cost is to fill in the form above to get a quote, giving you an accurate answer to your question.

Who can find insurance with you?

We offer Uber insurance to all people in the UK. So if you are considering becoming a driver and would like a quote, or if you have already made the decision and are operating in the UK, get a quote now and let us find you the best price.

Is it possible to get a discount on Uber insurance?

Your age, experience, vehicle type and more affect the cost of your policy. So even though it is not technically a discount, you may find it helpful to get a quote with a variety of different excess levels to help you get cheaper insurance.

Are you an Uber partner for insurance?

We are an independent comparison site, so we do not partner with individual companies. Using our site gives you access to compare many brokers that cater for Uber drivers.

I drive an Uber in London. Can I get insurance?

Yes, of course! With 30,000 Uber drivers in London, we help many of you find insurance each week.

Author Image - Michael Foote

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.