Top 6 UK Uber Driver Insurance Providers
The six best Uber driver insurance providers in the UK are Zego, Acorn Insurance, INSHUR, InsureTaxi, Haven Insurance, and Freeway Insurance. Each offers hire and reward cover designed for private hire vehicle (PHV) drivers working through the Uber platform.
Standard car insurance doesn’t cover you for carrying paying passengers. If you drive for Uber, you need a hire and reward policy that meets both Uber’s requirements and your local licensing authority’s rules.
Below, we break down the six providers that specialise in Uber driver cover, what each one offers, and how to pick the right policy. If you’re still deciding whether to drive for Uber, the insurance cost is one of the biggest outgoings to factor in.
Standard car insurance is void the moment you open the Uber app. You need hire and reward cover, and without it any claim is rejected and you face a £300 fine plus six points.
Use a specialist comparison tool when you compare private hire insurance quotes, as mainstream sites can’t quote always for hire and reward.
Why do Uber drivers need specialist insurance?
Uber requires every driver to hold private hire vehicle insurance before they can go online. A standard social, domestic and pleasure (SD&P) policy won’t cover you for carrying fare-paying passengers.
What does hire and reward cover?
Hire and reward is a class of use that covers you while transporting passengers or goods for money. It sits above rideshare insurance and is the minimum level Uber accepts in the UK.
Without it, any claim you make while logged into the Uber app could be rejected. Your insurer could also void your entire policy.
What happens if you drive without it?
Driving passengers for money on a personal policy is illegal. You could face a fixed penalty of £300 and six points on your licence.
Your local council can also revoke your PHV licence if your insurance doesn’t match your licensed use.
Who are the top 6 UK Uber driver insurance providers?
The six providers below all offer hire and reward cover designed for Uber drivers. Each has a different strength, from flexible pricing to hard-to-place risks.
1. Zego
Zego is one of the leading flexible insurance providers for private hire drivers in the UK. They offer pay-as-you-go and annual policies specifically built for Uber drivers.
Zego’s flagship product is pay-per-mile cover, where you pay a small base rate plus a per-mile charge only when the Uber app is active.
Policies include full cover, breakdown assistance, and the option to add public liability insurance. Zego is FCA-authorised and popular with drivers who want to improve their Uber rating by staying fully protected.
Related: What insurance do I need for Uber?
2. Acorn Insurance
Acorn Insurance is a specialist taxi and private hire broker with over 20 years in the market. They work with multiple underwriters to find competitive rates for Uber drivers.
Acorn offers annual hire and reward policies at all cover levels: third party only, third party fire and theft, and fully comp. Monthly payment options are available.
They also offer fleet policies for drivers running more than one vehicle, and public liability cover as an optional add-on.
3. INSHUR
INSHUR is a mobile-first insurer designed specifically for rideshare and private hire drivers. You can get a quote and buy a policy entirely through their app.
INSHUR offers annual hire and reward cover with a fully digital claims process. The app links to your Uber driver profile for verification.
Cover includes windscreen, personal accident, and breakdown as standard on higher tiers. INSHUR is popular with drivers who also work for Bolt, as the same policy covers both platforms.
In most cases, you can also drive for Uber and Uber Eats on the same INSHUR policy.
Related: How to become an Uber driver in the UK
4. InsureTaxi
InsureTaxi has been arranging private hire cover since 2005. They work with over 30 insurers to find competitive rates for PHV drivers.
Their policies cover both private hire and hackney carriage use, so drivers who switch between Uber and street hailing are covered. Fleet discounts are available for multi-vehicle operators.
5. Haven Insurance
Haven is a Northern Ireland-based broker that covers PHV drivers across the UK. They specialise in hard-to-place risks, including drivers with previous claims or convictions.
Haven offers monthly payment plans and provides documentation directly to your licensing authority. They can often find cover where mainstream insurers decline.
Most Uber drivers are self-employed, so you can offset insurance costs against your tax bill.
Related: How to get cheaper taxi insurance in the UK
6. Freeway Insurance
Freeway focuses on affordable taxi and private hire cover. They offer all cover levels and are known for competitive rates for newer drivers.
Freeway works with a panel of specialist underwriters to keep premiums down. All providers on this list are regulated by the FCA.
How do these providers compare?
The right provider depends on how you drive, how often you work, and what extras you need. This table summarises the key differences.
| Provider | Policy type | Pay-as-you-go? | Best for |
| Zego | Annual or per-mile | Yes | Part-time and flexible drivers |
| Acorn Insurance | Annual (broker) | No | Drivers wanting multiple quotes |
| INSHUR | Annual (app-based) | No | Tech-savvy drivers, multi-platform |
| InsureTaxi | Annual (broker) | No | Experienced drivers, fleet owners |
| Haven Insurance | Annual (broker) | No | Drivers with claims or convictions |
| Freeway Insurance | Annual (broker) | No | Budget-conscious newer drivers |
Which policy type suits you?
If you drive full-time, an annual policy usually works out cheaper per mile. Part-time drivers doing fewer than 20 hours a week may save money with Zego’s pay-per-mile option.
Read our guide to how much taxi insurance costs for a full price breakdown by cover level and driver profile.
Do you need extras?
Consider whether you need public liability, breakdown cover, or legal expenses cover on top of your hire and reward policy.
How should you choose an Uber insurance provider?
Start by confirming the provider offers hire and reward cover that your licensing authority accepts. Not every insurer is approved by every council.
Check your licensing requirements
In London, TfL requires your insurer to provide a specific certificate of insurance matching your PHV licence. Outside London, check with your local authority.
Compare like for like
Get quotes from at least three providers and compare the same cover level. Use a specialist comparison tool rather than a general car insurance aggregator, which often can’t quote for hire and reward.
Check the excess, mileage limits, and whether the policy covers you on other platforms like Bolt. Our guide to what insurance taxi drivers need explains each cover level in detail.
If you also deliver food, check whether food delivery insurance covers private hire work or whether you need a separate policy.
Make sure you pass Uber’s vehicle checks before buying a policy, as cover is useless if your car doesn’t meet platform standards.
Frequently asked questions (FAQs)
No, you need a hire and reward policy. Standard car insurance doesn’t cover carrying fare-paying passengers, and claims will be rejected if you’re logged into the Uber app.
Annual hire and reward policies typically cost between £1,200 and £3,500 per year, depending on your age, location, vehicle, and claims history. Pay-per-mile options from Zego can work out cheaper for part-time drivers.
Uber provides secondary public liability insurance while you’re on a trip, but this doesn’t replace your own hire and reward motor policy. You must hold your own PHV insurance at all times.
Most hire and reward policies cover you for any private hire work, regardless of the app. Check with your insurer that multi-platform use is included.
Yes, insurers require a valid private hire vehicle licence and a private hire driver badge before they’ll issue a hire and reward policy.
Hire and reward covers carrying passengers or goods for payment and is what Uber requires. Rideshare insurance is a lighter cover level for car-sharing arrangements where no fare is charged.
Yes, but you may face cancellation fees from your current insurer. Most policies allow cancellation with 7-14 days’ notice and a pro-rata refund.