UBER PRIVATE HIRE TAXI INSURANCE
Uber insurance for good drivers
Drive safely and earn a discount at renewal
All-in-one cover for taxi work and personal driving
Manage everything online or in the app
Looking for private hire insurance? Get a personalised quote in just a few minutes
What is Uber insurance?
Pre-booked passenger work
Private hire work through the Uber app, plus food and parcel deliveries if you take them on.
Your own driving included
Social, domestic and pleasure use is part of the same policy, so you do not need a second one for the school run or the weekend.
Two levels of cover
Choose Third Party Only or Fully Comprehensive, on a 30-day or annual policy. Private hire work counts as hire and reward, which our dedicated page explains.
Is Zego accepted by Uber?
On Uber's accepted insurer list
Uber's UK requirements page lists Zego among the insurance providers it accepts in London. If you are licensed outside London, check what your licensing authority and Uber ask for in your area.
Link your policy to Uber
Once your policy starts, connect your Zego account to your Uber driver account so your cover shows up where Uber looks for it. Our step-by-step guide walks you through it.
Choose between monthly and annual cover
Monthly (30 days)
Short-term insurance cover.
Includes personal (SD&P) and hire and reward (H&R) insurance.
Buy with a single payment.
Annual (12 months)
Long-term, cost-effective cover.
Includes personal (SD&P) and hire and reward (H&R) insurance.
Buy with a single payment or monthly instalments (deposit required upfront).
What’s included with your Uber private hire policy?
These are Third Party Only or Fully Comprehensive.
Fully Comp... | Third Party Only | |
|---|---|---|
Private hire work, food and parcel delivery work, plus personal driving | ||
Unlimited liability for causing damage to other vehicles or property while driving | ||
Unlimited liability for causing injury or death to other people while driving | ||
Public liability cover up to £10m | ||
Loss, damage or theft of your vehicle and its spare parts | ||
Windscreen (£25 excess for repairs or £100 for replacements) | ||
Audio, communication, and navigation equipment cover (£500 limit) |
What you need to get a quote and confirm eligibility
Documents to have ready
Your private hire (PHV) licence
Your full UK driving licence
Your vehicle registration and details
Proof of ID and address history
Details of your driving and claims history
Are you eligible? (Uber-ready checklist)
You have a private hire licence
You live and work in England, Scotland, or Wales
You have a full UK driving licence
Your vehicle has 9 seats or fewer (including the driver's seat)
You're aged 21–75
You've had no more than 2 at-fault and/or 3 non-fault claims in the last 3 years
Upgrade your private hire cover with these extras
Breakdown cover
Combined roadside, recovery and home cover within the UK.£40
with annual
£8
with 30 days
Replacement vehicle
Get a replacement car – licensed for private hire work – while yours is being repaired.£65
with annual
£10
with 30 days
No Claims Discount Protection
Protect your no-claims years for a maximum of one at-fault claim.+7%
of the price of your premium
How much does Uber insurance cost?
1. Where you are licensed
Your licensing area and where you live and work are part of how we price the policy, because risk differs from place to place.
2. Your car
Make, model, age and value. What it would cost to repair or replace is a big part of the price.
3. Your licence and age
How long you have held a full UK licence, and how old you are. We cover drivers from 21 to 75.
4. Claims and convictions
Anything in the past few years feeds into the price. We accept up to two at-fault claims in the past three years.
5. Level of cover
Third Party Only costs less than Fully Comprehensive, but only Fully Comprehensive pays for damage to your own car.
6. How you buy
A 30-day policy and an annual policy are priced differently. Annual suits full-time drivers who want to fix the cost for the year.
How do I make a claim?
1. Contact us
Report the incident in your Zego app, or use the online claims form on our claims page.
2. Get support
A claims handler takes the details and guides you through what happens next.
3. Get back on the road
We process the claim and keep you updated in the app until it is settled. Replacement vehicle cover, licensed for private hire work, is available as an extra.
Insurance that moves with you. It starts with Sense.
Simple as that.
Download the Sense app
To get started, download the Sense app to your smartphone and activate your policy. It only takes a minute.
Start driving
Once you're set up, Sense starts tracking your driving to build a picture of how you drive each day – and gives you a driver rating.
Unlock our best price at renewal
The higher your driver rating, the better your chances of being rewarded at renewal.
More from our customers
If you want competitive and hassle free Private Hire insurance, please go with Zego. I am happy I found the best Private Hire insurance provider in the UK.
I got my first private-hire insurance with Zego. Price was very cheap as compare to other companies. Customer service explained everything very professionally and were very friendly throughout the process.
Great to know how driving carefully rewards you with lower premiums. This is the way forward!
Why we're the right choice
81m
575k
96%
Trusted by 100,000’s of UK drivers
Frequently asked questions
More for Uber drivers
What insurance do I need for Uber?
How to become an Uber driver in the UK
Linking your Zego account to Uber
How much do Uber drivers make in the UK?
Can I drive for Uber and Uber Eats at the same time?
Making the most of Uber Pro
Share and earn. It's that simple.
That’s £50 if they take out an annual policy, or £10 for a 30-day one. The more friends you refer, the more you earn.
*Excludes flexible, pay-as-you go customers.
When you buy a Sense policy, your upfront payment is 17% cheaper than a standard policy, as of 10/09/25
“81 million...” – Based on the total number of policies sold by Zego as of 23/07/25
“575K drivers...” – Based on the number of fixed policies sold by Zego as of 23/07/25
“96%..” – Based on Zego customers who have been insured on Sense policies and have a driver rating, between 01/06/2025 and 01/08/2025