The name “Uber” has now become synonymous with booking a taxi in many parts of the world. Uber is a taxi booking app that enables passengers to book a ride that’s perfect for them and pay for it via credit/debit card so there is no need to exchange any cash. The company was founded in the US in 2009 and has grown tremendously since that time - reaching the UK in 2012.
The way Uber works in the UK is slightly different to the US where insurance is concerned. In the States, Uber drivers are covered when driving in their vehicle without passengers. However in the UK, no insurance is provided by Uber at all. This means drivers must take out their own insurance policy for all types of travel.
Who can apply to be an Uber driver?
In order to apply to be an Uber driver, you must own your own vehicle that meets the standards set by Uber, and of course a private hire taxi drivers licence. You must also attend an onboarding process in order to show that you have the necessary skills and training to work as an Uber driver.
What type of cover do Uber drivers need?
Uber drivers are essentially private hire drivers so private hire taxi insurance is what’s needed. Private hire taxi insurance covers both the vehicles and any passengers in the event of an accident.
Levels of cover
Below are the main types of cover you can have included with a private hire taxi insurance policy –
- Road risks - Road risks are the basis of any type of private hire policy. You can choose what level of cover you want to get - third party cover; third party, fire & theft; or fully comprehensive. Fully comprehensive provides the most protection but also costs more compared to a third party policy.
- Public liability claims - Public liability insurance is a must for private hire drivers. If a passenger or other member of the public were to be killed or injured due to reckless driving on your part then you’d need to insure that you could shoulder a liability claim if it went against you. Legal expenses can also be included.
- Fleet insurance - For private hire firms that have their own fleet of vehicles, fleet insurance is the perfect option since you can get cover that’s usually cheaper and certainly much easier to manage.
Get quotes now
If you want to get Uber drivers insurance then it’s always a good idea to get quotes from different providers so you can see if you’re getting a good deal. Click the green button below and you can have tailored quotes from a panel of specialist private hire taxi insurers in a matter of minutes.