Uber Driver Insurance - what do you need?

Compare Uber Insurance

Only one form to fill out. Find the insurance you need today.


Since launching in the UK in London in June 2012, more and more people have looked to the ride-hailing app as a viable source of income. But most new drivers are confused about what insurance you need as an Uber driver. In this article we’ll cover everything you’ll need to know about Uber driver insurance including what they cover and what insurance you need to buy.

What insurance does Uber provide for its drivers?

Uber offers some sickness and injury coverages for its drivers, but not insurances for your vehicle or the passengers you carry.

As of August 2020, Uber provides a number of insurances to protect its drivers while they’re working with Uber from sickness/injury (and even provides a bonus for experienced drivers taking maternity or paternity leave!). However, they provide no protection for your vehicle, nor with the coverage you’ll legally require to help passengers get from A to B.

Here's some of the key details of the Uber insurance policy:

ClaimOn or off trip?Value
Medical Expenses ReimbursementOn-TripUp to £7,500
Accidental Death PaymentOn-Trip£50,000 Lump Sum + up to £6,000 Funeral Costs
Inconvenience Payment for Permanent InjuryOn-TripUp to £50,000
Inconvenience Payment for HospitalisationOn-Trip£1,000
Inconvenience Payment for Temporary Injury during Transportation ServicesOn-Trip£75 per day for up to 30 days for Partner Drivers. £30 per day for up to 30 days for Delivery Partners.
Severe Sickness & Bodily Injury Payment(leading to more 7+ consecutive days unable to work)Off-Trip£75 per day for up to 15 days for Partner Drivers. £30 per day for up to 15 days for Delivery Partners.
Maternity / Paternity PaymentOff-Trip£1,000 lump sum
Jury Service PaymentOff-Trip£500 lump sum

Uber considers its drivers as ‘independent contractors’, meaning the company takes no legal responsibility for drivers insurance requirements, so it’ll be up to you to make sure you’re appropriately covered before taking on passengers. You'll have to submit the correct insurance documentation during the registration process, and this article will help you know what you’ll need ahead of time.

While they don’t call themselves a ‘taxi service’, while carrying passengers in the UK you’re required to keep to the insurance standards of a traditional taxi/black cab. Uber currently doesn’t offer its own insurance policies to drivers, but does partner with the likes of Acorn, Zego and Fare Cover (although most providers can offer you a policy, so do shop around) so finding a suitable policy isn’t too difficult.

It’s worth considering that Uber-approved providers do offer some unique benefits to Uber drivers, such as dedicated Uber driver insurance phone lines and reduced excess payments on claims, but these vary from provider to provider so make sure to double check before signing up.

What insurances do I need to deliver with Uber?

To make sure you're covered while driving for Uber, you'll need either a commercial insurance policy (e.g., private hire taxi insurance) or a Hire & Reward policy attached to your existing SD&P coverage.

Compare Uber Insurance

Only one form to fill out. Find the insurance you need today.

  • Commercial Insurance

Uber drivers need some form of commercial car insurance. If it’s your first time using your vehicle for hire, you’ll need to change your existing into a ‘commercial use’ coverage to ensure you’re still protected while using your vehicle for business purposes. Private car social, domestic & pleasure car insurance is not adequate on its own for an Uber driver.

Due to the long mileage, unsociable hours and possibility of driving around areas they’re not familiar with, Uber drivers will need a more robust coverage than a traditional social, domestic & personal policy.

Taking a lower level policy will risk you losing protection altogether, as many providers will void your policy if they discover you’ve been using the vehicle for purposes not covered by their insurance agreement with you, so it’s definitely worth making sure you’re fully insured.

  • Hire & Reward Insurance

Some drivers prefer to keep their existing private car insurance and supplement it with a pay-as-you-go/monthly Hire & Reward insurance policy to protect themselves. These can be especially useful if you see Uber as a short-term employment solution (and don't want to sign up to a 12 month contract), or if you're working less than 20 hours per week as a courier/driver (our research indicates this is around the cutoff point for when a monthly policy becomes more cost effective)

While these policies are a good solution for some, there are a number of potential issues it's worth being aware of. Some insurers will void your personal car insurance if you've been using your vehicle in return for payment, even if an accident occurs while you're not working (and thus not protected by your pay-as-you-go coverage), so make sure to inform and check with your provider before taking your first Uber customer.

  • Public Liability Insurance

Many courier/commercial insurance policies will include Public Liability Insurance within them. It'll be worth considering this while you evaluate the value/coverage differences between each policy.

Public liability insurance will cover you against any claims made against you by passengers or members of the general public who may be involved in an accident while you’re driving. The typical policy will cover you against any claims against you, with the option of also including coverage for your legal expenses for a small additional cost.

  • Example: You’re at fault for a road accident resulting in minor injuries to your passengers, and they claim against you for the damages caused.

  • Injury/Accident Insurance

While Uber does provide some protections in the case of injury or accident, the coverages are fairly limited, and you’ll only be covered for temporary injury/sickness for between 15 to 30 days. It’s certainly worth considering additional coverage on top of the Uber insurance (provided via AXA).

Policies generally start around £35.00 for non-smokers, and will cover you for up to one year (depending on which policy you choose) for between 55-70% of your pre-tax earnings. Each provider has their own limits on payout, duration and coverage, so make sure to shop around and find the one that works best for you.

Uber Driver/Taxi Driver Licenses

  • Private Hire Vehicle/Driver licenses

As an Uber driver, it’s important to make sure you're licensed to carry passengers in your vehicle for payment. You’ll require a private hire policy, as opposed to a public hire, (which would be more suitable for a black cab that can be hailed on the street), as Uber’s are only available by pre-booking.

Before signing up for your insurance, you'll need to sign up for both private hire driver and private hire vehicle licenses. This is to make sure that both you and your vehicle meet the criteria and are safe to carry other people.

Signing up isn't a difficult process, and licenses are fully valid for 3 years. Be aware that there are costs to signing up and getting your license, and make sure to find the regulator most appropriate for you to award you your license (typically a government body like Transport for London or your local city council)

Below is an estimate of the costs of signing up as a London Uber driver through TfL:

Fee typeCost
DBS disclosure application£52 (online), £54 (paper)
License application fee (non-refundable)£124
Grant of licence fee£186
Post Office® Check and Send£10.50
English language assessment (if applicable)£180 to £200
Topographical assessment (if applicable)£75
MedicalFee set by the examining doctor (your GP)
Example total cost: £644, excluding cost of medical

How much will it cost me to get insured to drive Uber?

An example driver could expect to pay, annually, between £1,900 to £2,300 for a comprehensive commercial car insurance policy and £80-150 for their public liability (typically with a £10-20 deposit). This is significantly more than traditional social, domestic & pleasure use insurance.

You should also account for the c. £700 of application costs discussed above to achieve your Private Hire drivers license.

Monthly Private Hire Insurance started at £180 for third-party-only coverage, with comprehensive coverage between £215-300 p/m.

How can I save money on my Uber driver insurance?

Ways to save money on your Uber driver insurance are similar to those that would help you save money on your personal car insurance. Here are a few examples:

  • Drive a popular Uber vehicle that insurers are used to covering
  • Long history of no-claims, no driving claims/convictions
  • Get quotes from a number of providers
  • Pay annually (if you see Uber as a long-term employment solution)

Commercial vehicle and public liability quotes were gathered based from a 30-year-old driver, with 5+ years of personal no claims bonus, driving a 2015 1.8L Toyota Prius, one of the most popular cars for Uber drivers. The price of your policy may vary with the variables mentioned above.

Comments