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Understanding your insurance is key to staying safe and compliant while driving for Uber. Here's what you need to know:
Private hire insurance is a type of commercial auto insurance specifically designed for drivers who operate private hire vehicles (PHVs), including Uber drivers. This is also known as private hire taxi insurance, although unlike typical taxis you won’t be picking up passengers who flag from the street.
To drive for Uber in the UK, you’ll need private hire insurance (PHV insurance) that covers hire and reward. PHV insurance is a legal requirement in the UK, and protects both you and your passengers in the event of an incident.
INSHUR offers four levels of Uber insurance coverage depending on your needs. Every policy includes Social, Domestic & Pleasure (SDP) use as standard, so you're covered on and off the job.
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Third Party |
Third Party, Fire and Theft |
Comprehensive |
Comprehensive Plus |
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Social, domestic, and pleasure (SD&P)
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Fast food cover
Main occupation must still be private hire |
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Fire and theft
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Fire and theft (including attempted theft) only |
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Accidental or malicious damage to your vehicle
including flood damage |
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Windscreen cover
£750 excess for non-approved repairer |
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£50 for repair, £150 for replacement with approved repairer |
£50 for repair, £150 for replacement with approved repairer |
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Public liability up to £10M
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Public carriage office (PCO) replacement vehicle (where available)
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Non-PCO courtesy car where available |
Available for 14 days |
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Motor legal expenses
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No claims discount protection
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(Optional, 4+ years) |
(Optional, 4+ years) |
(Optional, 4+ years) |
(Optional, 4+ years) |
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Policy excess
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No excess applies |
£500 |
£500 |
£500 |
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Driving in the EU
SD&P only, minimum legal requirement for that country, there is no cover for any loss or damage to your vehicle |
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| Get a quote |
Social, domestic, and pleasure (SD&P)
Fast food cover
(Main occupation must still be private hire)
Fire and theft
Accidental or malicious damage to your vehicle
(including flood damage)
Windscreen cover
(£750 excess for non-approved repairer)
Public liability up to £10M
Public carriage office (PCO) replacement vehicle (where available)
Motor legal expenses
No claims discount protection
(Optional, 4+ years)
Policy excess
No excess applies
Driving in the EU
(SD&P only, minimum legal requirement for that country, there is no cover for any loss or damage to your vehicle)
Social, domestic, and pleasure (SD&P)
Fast food cover
(Main occupation must still be private hire)
Fire and theft
Fire and theft (including attempted theft) only
Accidental or malicious damage to your vehicle
(including flood damage)
Windscreen cover
(£750 excess for non-approved repairer)
Public liability up to £10M
Public carriage office (PCO) replacement vehicle (where available)
Motor legal expenses
No claims discount protection
(Optional, 4+ years)
Policy excess
£500
Driving in the EU
(SD&P only, minimum legal requirement for that country, there is no cover for any loss or damage to your vehicle)
Social, domestic, and pleasure (SD&P)
Fast food cover
(Main occupation must still be private hire)
Fire and theft
Accidental or malicious damage to your vehicle
(including flood damage)
Windscreen cover
(£750 excess for non-approved repairer)
£50 for repair, £150 for replacement with approved repairer
Public liability up to £10M
Public carriage office (PCO) replacement vehicle (where available)
Non-PCO courtesy car where available
Motor legal expenses
No claims discount protection
(Optional, 4+ years)
Policy excess
£500
Driving in the EU
(SD&P only, minimum legal requirement for that country, there is no cover for any loss or damage to your vehicle)
Social, domestic, and pleasure (SD&P)
Fast food cover
(Main occupation must still be private hire)
Fire and theft
Accidental or malicious damage to your vehicle
(including flood damage)
Windscreen cover
(£750 excess for non-approved repairer)
£50 for repair, £150 for replacement with approved repairer
Public liability up to £10M
Public carriage office (PCO) replacement vehicle (where available)
Available for 14 days
Motor legal expenses
No claims discount protection
(Optional, 4+ years)
Policy excess
£500
Driving in the EU
(SD&P only, minimum legal requirement for that country, there is no cover for any loss or damage to your vehicle)
Depending on your coverage level:
£10M public liability insurance (Comprehensive +) - protection against claims made by members of the public for injury or property damage caused by your actions.
Accidental or malicious damage to your vehicle (Comprehensive & Comp +) - Covers the cost of repairs for damage to your vehicle, whether caused by yourself or a third party
Fire and theft damage (TPFT, Comp & Comp +) - Includes cover for fire and attempted theft of your vehicle
Optional No Claims Discount protection (NCD) - Available across all cover levels - If you have 4 or more years of claim-free driving, protect your hard-earned private hire NCD
Social, Domestic & Pleasure - Included with all cover levels - meaning you’re covered for your Uber rides and personal journeys, like the school run.
At INSHUR, we understand the unique demands of being an Uber driver. That's why we've built insurance policies for private hire, Uber, and PCO drivers, tailored to fit your busy schedule and unique needs, helping you stay on the road and maximise your earnings.
Choose INSHUR – Uber insurance designed by drivers, for drivers. Get your free quote today.
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Need Uber private hire insurance for an electric vehicle or plug-in hybrid? Get the same great coverage as petrol and diesel private hire Uber drivers, plus:
Repair or replacement for covered claims or accidents. Available for both owned and leased batteries. Up to £10k of battery coverage.
Reliable support for damaged or stolen cables while attached to your vehicle. We also cover you for third-party incidents, e.g. someone tripping over your cable while in use.
With INSHUR, you choose a policy to fit your needs. Pick your level of coverage, opt for a 30-day or annual plan, and decide whether to pay in full or spread the cost with monthly payments.
Our underwriters use hundreds of data points to calculate your premiums, including your Uber rating and Uber status. This ensures you receive a fair, competitively priced quote.
Your documents will be available to view and download once you have purchased a policy.
Please log in here to view.
Please be aware some documents can take a while to generate, if they don't appear try again after 30 minutes.
Yes.
When you purchase private hire insurance for Uber through INSHUR, we send electronic copies of your policy documents to you and Uber.
Yes.
To drive for Uber in the UK you’ll need to prove you hold the correct private hire taxi insurance. This is a legal requirement.
INSHUR makes it easy to get covered as an Uber driver.
Click here, answer a few questions and we’ll generate your personalised private hire taxi insurance quote in minutes.
You can get your Uber insurance with INSHUR in minutes online.
Our platform is designed with busy drivers in mind - a quote can be generated and purchased straight from your phone.
Click below to get an Uber insurance quote to get started, and be covered in minutes.
If you’ve had an accident or need to make a claim, we’re here to help you through the process.
Call our claims team: Call now (Mon-Fri 8.30am - 6pm)
Email us: ukclaims@inshur.com
Where possible, please include information such as:
When searching for the best Uber insurance, comparing quotes from various providers is normal to find a policy that fits your needs and budget.
INSHUR are proud to be an Uber-approved insurance provider, offering specialised policies for Uber drivers with benefits such as: