Uber Taxi Insurance
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Why Compare Cheap Uber Insurance Quotes With EasyQuote?
EasyQuote allows you to compare Uber taxi insurance quotes from dozens of leading insurance providers in the UK.
Finding the right insurance cover can be tough when you need to weigh up all your options. With EasyQuote, you can get quotes within minutes – no stress, no admin, and no boring phone calls to insurance companies.
What Do You Need To Get A Quote?
- Tell us about your vehicle, including the make, model, year, and mileage.
- Provide personal information like your name, surname, age, claims history, and address.
- Inform us where your car will be parked and the areas where it will be driven.
With this information, EasyQuote can provide you with insurance quotes to cover your car, yourself and your passengers.
What Does Uber Taxi Insurance Cover?
What is covered by your Uber taxi insurance will depend on your insurance provider and level of cover.
Usually, Uber taxi insurance covers the following:
- Private hire insurance: You need this core cover if you’re using your car for ride-sharing in the UK. It allows you to carry passengers, and covers you for:
- Third-party liability: The cost of injuries or damage to others (including passengers, other drivers and pedestrians) as well as their property is covered.
- Damage to own vehicle: Depending on your level of cover, it may cover repairs to your car in the case of an accident, vandalism or theft – even when not actively driving for Uber.
- Public liability insurance: It will protect you from financial losses if a third party is injured or property is damaged while you’re using the Uber app with a passenger in the car.
- Hire and reward insurance: This broader insurance cover will protect you financially in any situation where you use your car to carry pre-booked passengers for payment.
What is not covered?
The following incidents or situations will not be covered by your Uber taxi insurance policy:
- Unauthorised drivers: Some policies may allow you to add a named driver to your policy, however this is just for personal use. Your policy may be void if you allow another driver to also use your vehicle for Uber fares.
- Lack of safety: You won’t be covered if you cause an accident due to driving under the influence or recklessly.
Looking for the cheapest Uber Taxi Insurance? Get your quote today!
Get QuotesWhat Levels Of Uber Insurance Can You Get?
There are three different levels of Uber taxi insurance cover: third-party only, third-party, fire and theft, and comprehensive cover.
Third-party only
This is the minimum legal requirement for all cars in the UK. It only pays out for damages to other people’s vehicles, property or injuries caused to them when you’re at fault.
Third-party, fire and theft
This policy will only cover third-party claims as well as fire damage to the vehicle or compensation if the car is stolen. It will not provide cover for the cost of damage to the Uber driver’s car in the case of an accident.
Comprehensive
This cover will safeguard both the Uber driver and any third parties involved in an accident. It will pay out for repairs to the Uber car, as well as any damage to the car or property of anyone else involved in the accident. It will also cover legal expenses or medical bills of third parties.
What Are The Types Of Uber Taxi Insurance Policies?
There aren’t specific types of Uber taxi insurance.
However, some private hire insurance policies may offer on-demand insurance. This type of policy will offer you Uber insurance while working but then switch to a standard car insurance policy while using your car for personal use.
What Are The Optional Insurance Add-Ons?
Each Uber taxi insurance policy is different, and may not provide you with all the cover you need.
Here are some add-ons you can get for your insurance policies:
- Breakdown cover: You get roadside assistance if your car breaks down and needs to be towed to a mechanic.
- Replacement vehicle: Receive a temporary vehicle to continue working for Uber while your car is being fixed.
- Loss of earnings: If you can’t drive for Uber or other ride-sharing apps due to an illness or accident, you’ll receive financial support.
- No-claims bonus cover: Protects your no-claims bonus if you have to make a claim.
- Excess protection: Reduces the amount of your voluntary excess if you need to make a claim.
- Legal expenses: This add-on is worth considering if you don’t have comprehensive cover. It will cover any legal fees if you’re involved in a legal dispute due to an accident.
- Personal use cover: It will cover you when you drive your Uber vehicle while off-duty.
How Much Does Uber Insurance Cost?
The cost of Uber taxi insurance can vary from £1,500 to £3,500 per year.
However, the cost of your policy will depend on the level of cover you get and the duration of the insurance.
What impacts the cost of Uber taxi insurance cover?
The following factors impact the cost of your Uber private hire insurance policy:
- Your age
- Where you live
- Where you drive while using the ride-sharing app
- Where you park while off-duty
- Your driving experience
- Your driving history
- The type of vehicle you drive
How Can You Get Cheaper Insurance Rates?
Here are some handy tips you can implement to bring down your insurance premiums:
Shop around
The easiest and fastest way to pay less for Uber taxi insurance is to shop around and compare quotes. EasyQuote allows you to quickly compare insurance quotes from the UK’s leading insurance companies so you can find a policy that suits your needs and your budget.
Consider where you’re driving
Driving in high-risk areas, like in the city where there’s lots of traffic, will bump up your premiums. That’s because urban areas have more crime and the risk of an accident increases when driving on congested roads.
If you work in more rural areas or drive outside of peak hours, your premiums may be reduced.
Limit your mileage
Uber drivers naturally drive more than those who use their cars only for personal use.
The more you drive, the higher risk you are to insurance companies. By limiting your mileage as much as you can without impacting your income, you can cut down on insurance costs.
Keep a clean driving record
By adhering to the highway code, avoiding speeding and parking fines and not touching your no-claims bonus you can reduce your premiums as you’ll be considered lower risk.
Pay annually
Annual policies are more affordable than weekly or monthly policies.
Telematics
Installing a telematics device (also called a black box) in your vehicle that can track your driving behaviour can decrease your policies. That’s because the insurer will receive the data and will then lower your premiums if you’re a responsible driver.
How To Compare Uber Insurance Quotes With EasyQuote?
- Fill in the short form: Tell us about yourself, your car, and where you drive for Uber.
- Choose policy add-ons: Select which additional cover add-ons you want.
- Compare quotes: Find a quote to suit your budget and insurance needs.
- Save money: Get the best deal to start saving today.
Frequently Asked Questions
Uber insurance is a form of private hire taxi insurance cover specifically designed for drivers who use their cars to offer ride-hailing services, like Uber.
This insurance takes into account the risks involved in transporting paying customers. It fills the gap between standard private car insurance and commercial car insurance.
Both the driver and passengers are safeguarded with this type of insurance.
Yes, Uber does provide insurance while they’re using the ride-sharing app and have passengers in the car. However, their cover does not always extend to while the driver is waiting for a ride request or driving their car for personal use.
Therefore, getting additional Uber taxi insurance is crucial to ensure you’re covered at all times.
Private hire taxi insurance is also available for drivers who operate with the following apps in addition to Uber:
- Bolt
- Ola
- Lyft
- Mytaxi
- Gett
- Kabbee
- Radio Taxi
- Com Cab
- FREENOW