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Uber Private Hire Insurance

  • Specialist private hire insurance for Uber drivers
  • An array of options for cover
  • Award-winning Claim service
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What is Uber Insurance?

Are you an existing driver who uses the Uber app or planning to take the plunge? Wherever you are in your licensing journey, we are here to help you secure the private hire insurance required to drive with Uber.As one of Uber’s trusted insurance partners in London, Clegg Gifford provides an intuitive, effective private hire cover designed specifically to cover you for the risks that you may face on the road and inside your vehicle.Your vehicle is your livelihood. We understand that if it is off the road even for a few days then it will have a direct impact on your earnings.  Buying an insurance policy from us provides cover against the specific risks you face will help to protect you, your livelihood and, most importantly, give you peace of mind.We have been insuring the UK’s taxi and private hire sector for over 70 years and are the oldest insurer of our kind in the UK. Over time we have built up unparalleled expertise in this area. You will find helpful, knowledgeable staff just a call away, who will be able to get you on cover affordably and quickly.

What makes up my policy?

Your Hire & Reward insurance supplies cover for professional drivers who carry pre-booked passengers, food deliveries and parcels in return for payment. The certificate of insurance will be issued to follow both Uber and Uber Eats requirements.

As with a standard car insurance policy, you can also choose the level of cover you want, from third-party all the way up to fully comprehensive.

Third-party only – You will be covered for any damage caused by you or another driver insured on your policy, to someone else’s vehicle, property or person. However, you and your vehicle will not be covered.

Third-party, fire and theft – As well as covering third parties, vehicles and property from damage caused by your Uber, this policy will also pay out if your car is stolen or damaged by fire.

Fully comprehensive – This option provides the most extensive level of protection you can buy. It includes all the cover listed above, as well as paying out for any damage to your vehicle or an injury to yourself. A comprehensive policy also comes with extended cover such as windscreen repair, money & accessories protection, signwriting and much more.

What Policy Extras are Available?

As well as choosing the type and level of Uber insurance cover you require, there are also several extras you may wish to consider. These allow you to tailor your policy to meet your specific needs.

Including:

Breakdown cover – This can be added to Uber insurance policies to recover your vehicle and get you back to work more quickly in the event of a breakdown. It may also include onward travel to get your passengers to their destination.

Unlimited mileage cover – Some Uber insurance policies set a maximum limit for the mileage you can drive in a year. However, this can be restrictive therefore, unlimited mileage cover will let you drive your vehicle as much as you like.

Excess Protection – An excess is payable on fault claims made under your policy. You can insure against this risk and different cover levels are available.

Legal Expenses – A policy that covers you for losses that are not automatically covered on your policy, even for non-fault accidents like personal injury.

FAQs

    1. What do I need to be an Uber driver?

Legal requirements are:

      • You need a private hire licence from your local council. Uber can also help through their Ignition Programme which aims to help you get started as a partner driver.
      • You need private hire insurance as personal cover won’t be valid when driving for hire and reward. This is where Clegg Gifford can help.

Your vehicle must be in good condition and free of cosmetic damage. In some locations, such as London, you’d also be asked to ensure your vehicle is free from commercial branding.

We can also insure drivers:

      • Of any age with no lower age limit requirement
      • Who possess a UK and EU driving licence
      • Without Taxi badge experience

2. Can anyone else drive my Uber for social or domestic purposes and be covered by my insurance policy?

Yes, but only if they are named as an additional driver on your Uber policy. They also need to be a licenced Uber driver to be eligible. Alternatively, you can request written permission from your licensing officer to allow anyone to drive your vehicle.

3. What if I make a change to my Policy?

We are legally required to notify Uber if you make a change to your vehicle, address, or if you cancel your insurance policy with us.

It is important to note:

    • You must continue to upload your insurance documents to Uber in the normal way. Once Uber has approved your insurance, they will contact you.
    • Although we send updates to Uber when you make a change or cancel your policy, this does not mean these changes will be approved. Uber will review the documents and let you know if there are any issues.
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What our clients say

Discover what our clients are saying on the most trusted review platforms like Reviews.io

  • We have a  4.46 Rating on 1002 Reviews

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T Henderson

Excellent service and great communication

Posted 1 year ago

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Anonymous

Efficiency

Posted 1 year ago

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Mo

This year Clegg Gifford has become a much much better company, faster response & all around highly improved.

Posted 1 year ago

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Anonymous

Very good service from Mid update

Posted 1 year ago

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Anonymous

Great service

Posted 1 year ago

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David Campbell

Excellent service all staff friendly and helpful

Posted 1 year ago

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Akram Alkifaie

friendly staff

Posted 1 year ago

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Muhammad Shahzad

Very professional nice and polite customer service. and very responsible prices. I will recommend

Posted 1 year ago

Welcome to CG TV

Welcome to CG TV

A collection of videos which outline Clegg Gifford’s products and other useful information.

  • Discover more about the products and services we can offer, for both personal and commercial insurances.
  • Check out our trade specific ‘overviews’ which can help determine the right coverage options for your business.
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What makes us special?

  • Expertise

    Our experienced team are on hand to deal with any queries you may have on our extensive suite of products. We assess each risk on a bespoke basis to find the best solution for you and your client.

  • Scheme Availability

    Where applicable, we are able to consider ringfenced schemes for existing books of business or where brokers have niche product requirements. This flexibility would allow your brokerage to directly bind risks within set underwriting limits.

  • Expansive Appetite

    We have access to multiple, unique binders and schemes that ensure we are able to accommodate your clients requirements across multiple products. Our status as a Lloyds broker ensures we can place all manner of risks from the ‘one man band’ selling vehicles from his garage, right through to multi location breakers.

  • Customer Service

    Our service goes beyond mere policy placement, we strive to provide exceptional service to our broker partners throughout the policy term, no matter the scenario. Our award-winning in-house claim team are also available should they be needed… (hopefully not!)

Our Product Areas

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