Insurance For Uber Drivers

Being an Uber driver is a great way to earn a living. You can work on your terms, drive your own vehicle and picking up the customers you want to. However, driving around town all day and picking up customers comes with its risks which is why it is important to have the right insurance in place.

To drive any vehicle on UK roads, you are required to have at least third party cover by law. This is based on the law passed in 2011 known as Continuous Insurance Enforcement and failing to have road insurance can lead to 6 penalty points, court prosecution and a maximum fine of £1,000.

At Fleets Insurance, we are pleased to offer Uber insurance for the following vehicles:

• Toyota Prius
• Honda Civic
• Ford Fusion
• Toyota Corolla
• Hyundai Sonata

We can provide cover for individual cars and drivers but our specialty is insuring multiple vehicles under the same policy. The reason for this is because you can receive a discount for every extra car you cover. Not only do you save money on your premium but you also save all the hassle and paperwork involved with numerous policies. Instead, you can manage everything under account and just have one place to pay and renewal date. Simple.

All new policies taken out through our site include free breakdown cover, legal cover, wallet cover, mobile phone and gadgets cover. Best of all, we are able to get you a big discount when you renew your insurance a year later by looking at your driving patterns and finding ways we can save you money. For a free and no obligation quote for Uber insurance, simply call us today on 0800 231 5129 or apply below.

Uber Insurance For Any Driver 

Like most Uber drivers, you may share a car with other drivers. This is so you can work different shifts and share the running costs of the vehicle, keeping your costs low and maximise your income. Our policies can accommodate you by adding the ‘any driver’ extension, allowing you to switch drivers and cars at any point and still be covered, provided that they have a minimum third party cover and valid UK driver’s license.

What Insurance Do You Need To Be An Uber Driver? 

By earning money as an Uber driver, you are using your vehicle as ‘hire and reward.’ This means that you are moving passengers or transporting goods in exchange for money. Therefore, you need to be insuring both your vehicle, the passengers and because it is a business, members of the public too.

Vehicle Insurance 

The minimum legal requirement to drive in the UK is third party only cover. This protects you against any claims by third parties (drivers, pedestrians, vehicles) that have experienced damage due to your driving. So in the event that you have a road accident that was your fault, your third party insurance will pay towards the victim’s repairs or injuries. However, this will not cover you for any damages inflicted on yourself or your own vehicle, as these will need to be paid for out of your own pocket.

The next step up is third party, fire, flood and theft which not only protects you against third party claims but also any damage to your wellbeing or vehicle due to a fire, flooding or robbery. The most cover you can purchase is ‘fully comprehensive’ which covers all the things mentioned and also damages to your own health and vehicle. The cost of a fully comp policy is quite similar to the cost of a third party only as over time, insurers have wanted to increase the average cover of a driver and not simply take the cheapest option. Therefore, it is worth comparing the prices of a third party only policy and a fully comprehensive as the costs could be very similar.

Passenger Liability 

By carrying passengers in your Uber car, you are responsible for getting them to their destination in one piece. You will be held liable for any accidents or injuries sustained by the customer during the journey and risk potential lawsuits if they wish to take legal action. However, with passenger’s liability insurance in place, you have some financial protection and support as your cover can help pay for any legal fees, court fees and compensation provided that meet the terms of your policy.

Goods in Transit 

If you are offering Uber deliveries, you will be responsible for transporting all types of products including food, packages and gifts. It is essential that you purchase goods in transit insurance in case these items are broken, lost or stolen during transportation. If so, you will be held liable and responsible to pay for any replacements and damages. But having insurance in place means that the costs involved can be reimbursed by your insurer.

Public Liability 

By coming into contact with other members of the public, you may be liable for any damages you cause to their wellbeing or property. This is one of the most essential types of insurance for any thriving businesses. So in the event that you damage a customer’s luggage or goods, knock over a piece of public property or injure a pedestrian, this cover can protect you against any compensation claims and incurring heavy legal fees.

Other Requirements to Become an Uber Driver 

To become an Uber driver, there are a few basic requirements according to their website. This includes having a private hire licence from your local council that Uber is associated with. Other necessities include being over 21 years old, a recognised British or EU driver’s license and also at least one year of experience driving in the city of your choice.

Drivers receive star ratings from customers that they drive and it is important to maintain a high rating out of 5 otherwise your Uber license can be temporarily suspended or you can be put under close watch. One thing is for sure, if you plan on driving customers around the UK, it is an obligation to have insurance for Uber drivers in place.