What is UBER Taxi Insurance?
For Uber drivers, it’s essential to have the right insurance cover in place to protect both yourself as the driver and your passengers.
In the event of an accident you will need to be covered for any damages or injuries sustained so that you don’t lose out financially and can get back on the road quickly. We understand how important it is to not lose out on income.
How our process works
We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.
Who Is Eligible To Drive An Uber Taxi?
To become an Uber Taxi driver in the UK, there are several requirements that a person must meet.
- You must be 21 or over to operate an Uber Taxi..
- You must have a minimum of 1 years full UK or EU drivers licence.
- You must have a vehicle that meets Uber’s requirements. Generally this is 4 doors and less than 10 years old.
- You must have local authority compliant private hire taxi insurance.
- Uber will conduct a criminal background check, which may include checks on the driver’s driving history, criminal records and right to work in the UK.
- You must be able to read, write and speak fluent English.
If you these requirements and have completed the Uber application process, you may be eligible to become an Uber Taxi driver in the UK. It’s important to note that the requirements may vary depending on the city or region where the driver wants to operate and it’s always a good idea to check with Uber for the specific requirements in a particular area.
What Type Of Insurance Do I Need As An Uber Driver?
You will need to have a commercial private hire vehicle insurance policy that is covers hire and reward.
When not using the Uber app, drivers are required to have their own private car insurance policy in place as Uber taxi insurance does not cover private use. It is also important to understand that private car insurance does not cover commercial use such as taxi driving.
Uber recommends that its drivers inform their personal car insurance providers that they are using their vehicle for commercial purposes.
It’s always a good idea to review the insurance cover options and requirements in your specific city or region as they may vary. Drivers are advised to consult with an insurance broker to ensure that they have the right insurance cover in place to protect themselves, their passengers and their vehicle.
Does Uber Provide Insurance For Its Drivers?
In the UK, Uber drivers are classed as private contractors and are therefore responsible for ensuring that their vehicle is properly insured.
Private car or van insurance becomes invalid when a paying customer is present, and drivers will need to obtain commercial private hire vehicle insurance that offers coverage for hire or reward.
It is also important for drivers to obtain adequate public liability insurance to cover claims made by customers in case of injury or other losses while in the vehicle. Many commercial policies will include this so it’s worth comparing quotes to see which has the best offering.
Failure to disclose relevant information when obtaining insurance can lead to policy refusal or cancellation, which can have long-term consequences.
Can Uber Drivers Use Their Own Personal Car Insurance?
When an Uber driver is driving for personal reasons and is not actively using the Uber app, they can rely on their personal auto insurance policy to cover any accidents or incidents. However, when an Uber driver is online and available to receive trip requests or is actively transporting passengers, commercial cover becomes an essential.
Any accidents that occur whilst working won’t be covered by a personal car insurance policy unless otherwise specified by the provider.
How Much Does Uber Taxi Insurance Cost?
The cost of Uber taxi insurance can vary depending on a number of factors, including the driver’s age, driving record, location, the type of vehicle being used, and the level of coverage required.
Additionally, insurance costs may vary depending on the specific city or region where the driver is operating, as well as the specific insurance provider that they choose.
For cheap Uber insurance, you should always compare quotes to be sure you’re getting a good deal.
Drivers should also be aware that the vehicle type will impact insurance costs. If you are driving a luxury or executive vehicle you can expect the insurance costs to be slightly higher than they might be for a vehicle that sits in a lower insurance band.
Do I Need To Tell My Insurance If I Become An Uber Driver?
Yes, if you become an Uber driver, you should inform your insurance company that you are using your vehicle for commercial purposes. Failing to do so could lead to your policy being voided or cancelled, and you may not be covered in the event of an accident or other incident while you are driving for Uber.
Many personal auto insurance policies do not cover commercial use, and some policies may specifically exclude coverage for ride-sharing services like Uber. In such cases, drivers may need to purchase additional Uber taxi insurance to ensure that they are protected while driving for Uber.
By informing your insurance company of your intention to drive for Uber, you can ensure that you have the right coverage in place and avoid any issues with your insurance policy.
It is always a good idea to review your insurance policy carefully to ensure that you understand the coverage and any exclusions or limitations that may apply when using your vehicle for commercial purposes. You can always check with a broker or your insurance provider to ensure that you have the right insurance coverage for your specific needs as an Uber driver.
Frequently Asked Questions
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