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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)
Your search for Uber driver insurance ends here. With INSHUR, you get private hire taxi insurance designed for Uber drivers. Find everything you need in one place on your online Dashboard. Get a quote, buy and renew online. Plus:
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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.