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What insurance do I need for Uber?

You need to have private hire taxi insurance to drive for Uber or any other booking app. It forms part of your agreement with Uber.

If you drive on your normal car insurance and an incident or accident happens, you will likely have claims repudiated (turned down).

UK Uber does not cover your private hire taxi insurance, you need to source this yourself. If you use your Uber for personal use as well as for carrying passengers, you should make sure your insurance covers you for this, too.
 
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Types of insurance cover for Uber taxis

  • Third-party only
    • Covers you in the event of an accident against claims made by a third-party. This won’t cover your Uber vehicle.
  • Third-party fire and theft
    • In addition to third party cover, this adds protection against fire damage or theft to your vehicle.
  • Comprehensive
    • Offers third-party fire and theft cover, with the addition of cover against damage to your vehicle.

Whether you drive an UberX, UberXL or Uber Lux, ChoiceQuote can look to provide cover for you. Get competitive quotes from our team by giving us a call today!

Does Uber taxi insurance include public liability cover?

Yes, public liability cover comes as standard on most policies, and is an optional extra on others. It’s worth taking out this cover – it offers protection if someone claims against your Uber service.

While public liability insurance isn’t a legal requirement, it could save your business should any expensive claims come your way.

How much is Uber insurance?

Uber insurance prices are similar to private hire taxi insurance costs, as the cover is the same. While private hire insurance can start from £13.25 a week, the price you pay is based on your own experience and requirements. Other contributing factors include:

  • Location
  • Driving experience
  • No-claims history

Compare prices with ChoiceQuote. We’ll use a range of insurers to find you the best deal.

What type of insurance do Uber drivers need?

Uber drivers need private hire insurance. This covers you for pre-booked rides only, as opposed to public hire taxi insurance. You won’t be insured to pick up fares from those hailing rides on the street. This is the case with all booking apps.

Where will I need Uber insurance for?

Uber currently operates in the following towns and cities across the UK:

  • Belfast
  • Birmingham
  • Brighton and Sussex
  • Bristol
  • Cambridge and East Anglia
  • Cardiff
  • Devon & Cornwall
  • Edinburgh
  • Glasgow
  • Leeds
  • Leicester
  • London
  • Manchester
  • Merseyside
  • Newcastle
  • Nottingham
  • Sheffield
  • Stoke
  • York

Can I still drive an Uber in London and get insurance?

While Uber’s licence has been revoked in London, there is an appeal in place which was lodged by the company at the end of 2019. This means that approximately 45,000 drivers are still licensed by TfL until the appeal is heard.

While on the road, you still need insurance for your Uber in London. Without it, you risk driving illegally.

Don’t risk driving without Uber insurance. Make sure you keep your existing policy in place, or call us if you’re due for renewal. We can get you a quick quote and keep you driving.

Keep your eyes open for further announcements from TfL and Uber in the forthcoming weeks and months. Until then, you can continue to drive an Uber at least until the appeal is complete.

Can I get short-term Uber insurance?

While temporary car insurance is becoming more common, almost all insurers do not accommodate weekly or monthly Uber insurance policies.

ChoiceQuote will monitor the situation, but right now, the shortest policy available is for a 6-month period. Almost all our customers take out annual Uber insurance policies.

Benefits of Uber insurance

  • Satisfies the insurance requirements of Uber
  • Cover for vehicles of various sizes: from saloons to MPVs with multiple seats
  • Third-party, third-party fire and theft, or comprehensive Uber taxi cover
  • Public liability insurance
  • Younger and inexperienced drivers considered (23+)
  • Drivers up to the age of 75 considered
  • Claims and convictions considered

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Frequently Asked Questions

  1. Can I insure my taxi for personal use?

    If you’re a registered taxi driver, you can still use your vehicle for personal use. Rules can differ depending on your local council, so make sure you check in advance.
  2. What types of vehicles will your taxi insurance cover?

    Our insurance covers a wide range of vehicles from saloons to executive cars.
  3. Can I get cover today?

    Yes, if you need insurance today, you can buy immediate cover. You can make a payment by credit or debit card or if you choose to pay by Direct Debit, you can pay an initial deposit and then pay the remaining amount over monthly instalments.
  4. How many drivers can I have on my policy?

    When you purchase single vehicle taxi insurance, you can insure up to 4 drivers on a ‘named drivers’ policy. Dependent on your insurer, you can cover any authorised driver, rather than all named drivers on your fleet.
  5. What other policies do you offer?

    We know that you rely on your vehicle to make a living. In an unfortunate case of a breakdown, you will want to get back on the road as soon as possible. We offer breakdown cover in addition to your existing policy or as a new policy. Legal expenses cover is also available.

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