EV Insurance for Private Hire Drivers – 8 Things You Need to Know

EV Insurance for Private Hire Drivers – 8 Things You Need to Know

Do you drive an Electric Vehicle (EV) or plug in hybrid vehicle? Did you know that at INSHUR, you can buy insurance that not only covers your EV or hybrid, but also the cables and battery too? That’s good for you and good for the planet.

When it comes to selecting a car insurance policy, there are so many choices it can be overwhelming, and understanding the ins and outs can be a struggle.

Luckily, we’re here to help you understand EV Insurance for Private Hire and how to choose the best policy for you.

In this article, we’ll break down the INSHUR EV insurance products including the benefits, costs and driving an EV for Uber.

What’s the Difference between Petrol, Diesel, Hybrid and EV Insurance?

In essence, our 30-day and annual policies for petrol, diesel cars, hybrid and electric vehicles are similar. So if you’ve been insured by us before, there shouldn’t be any surprises.

You can choose to protect your No Claims Discount, and our ‘Comprehensive’ and ‘Comprehensive Plus’ policies provide cover for damage to your vehicle subject to the policy excess.

Our Private Hire insurance includes the carriage of passengers for hire and reward and includes Social, Domestic & Pleasure (SD&P) use as standard. 

EVs have additional factors to cover such as the batteries and charging cables which may need additional coverage. More on this later.

What Our EV Insurance for Private Hire Insurance Covers

Whether you drive an electric, hybrid, diesel or petrol car, we have an insurance product for you.

Choose from our 30-day or annual policies for great flexibility. Our electric vehicle insurance works around you and your business.

If you are a taxi driver who also works as a delivery driver for Uber Eats, Just Eat, Deliveroo, or other food or courier services, we provide coverage for you by including the carriage of goods for hire & reward.

Plus, Social, Domestic & Pleasure cover is included as standard.

Additional Benefits of INSHUR EV Insurance

Other insurers charge you extra to insure vital parts of your EV.

INSHUR are different. We include the batteries and cable as standard– always remember to check your policy wording for full details.

Battery Coverage

We cover the battery which can be one of the more expensive items to replace or repair, should something happen. INSHUR’s EV insurance includes a replacement or fix in the event of damage to your battery following a claim. Some exclusions apply so make sure you contact us to get more info.

Cable Coverage

We include cover for the charging cable, the lifeline of your EV with our electric car insurance.

INSHUR is here to assist you if your cable is stolen or damaged whilst it is stored within or attached to your vehicle. Whilst your vehicle is plugged into a charging point, we also include claims made against you for any potential trips or falls a passerby may have if they injure themselves on the charging cable.

Again, exclusions may apply so always make sure to check with us first!

charging cable plugged into electric vehicle

What if I have An Accident?

If your car is in need of repair, our ‘Comprehensive Plus’ policy includes a plated EV replacement, where available.

Can I Drive My EV for Uber?


Driving EV for Uber is no different than petrol or diesel, and is increasingly popular. Uber’s goal is to be emission free by 2040, and there are incentives to help drivers achieve this.

Driving for Uber Pro gives free 1 month subscription to BP Pulse, charging credits and discounts on installing home chargers.

Customers can select an EV when choosing their ride with an attractive ride discount. As EVs become more commonplace and motoring evolves, more customers will be looking to EVs for a planet-friendly option. 

How Do I Sign Up For Uber?

Driving for Uber is a great alternative to traditional passenger services.

They guarantee the minimum wage whilst you’re on shift with the opportunity to earn much more.

Drive when you want, where you want, and build up a driver score that puts you ahead of the competition.

Signing up to drive for Uber has never been easier. Sign up with your email address and tell Uber which city you want to drive in, and they’ll email you everything you need to know.

You must make sure that your chosen vehicle meets their minimum standard requirements, and that you hold a full UK Driver’s License. You must also make sure your vehicle is plated, and that you hold a valid taxi license issued by your ocal authority.

You’ll also need Private Hire insurance – this is different to your everyday vehicle insurance.

Read more about how to drive for Uber here.

How Do I Choose My Insurer?

Firstly, evaluate your needs. 

When you’re not riding with passengers, do you use your vehicle in your everyday life? Our EV Uber and private hire insurance policies include Social, Domestic & Pleasure use.

INSHUR cover you for work as a Private Hire driver, for delivery work with the likes of Uber Eats, Just Eat, Deliveroo and courier services such as Evri etc., for family outings, solo trips and everyday errands.

Make sure you understand what each policy covers and choose the one that best meets your needs.

Our ‘Comprehensive Plus’ policy covers some legal expenses, public liability and it also includes a licenced replacement taxi in the event of a claim, where available.

Or for a lower premium you could consider our ‘Comprehensive’ or ‘Third Party Only’ policies. You can find out more here.

Why Should I Choose INSHUR for my EV Private Hire Insurance?

INSHUR work with Uber, Lyft and Ola to ensure the best levels of service to our customers.

By choosing INSHUR, you’ll join the growing number private hire drivers, Uber drivers, public hire drivers and courier drivers out on the roads who trust INSHUR with their insurance.

Our insurance is always online, you can access your policy anytime, anywhere. Additionally, when you drive for Uber we upload your documents for you via Instadoc.

Our team of Customer Support specialists are here to help you within office hours, and our helpful chatbot is available 24/7.

We also have an extensive Helpdesk for questions that are more easily answerable.

You can get your EV Insurance quote online at any time. Just click the button below and get started.

Get my EV Quote

Find out everything you need to contact us here.

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