Top 6 UK Uber driver insurance providers
The best Uber driver insurers in the UK are Zego, Acorn, INSHUR, Sabre, Haven and Freeway, with Zego ranked first for flexibility, strong private hire insurance cover , and ease of use for Uber drivers.
To identify the insurers that consistently perform well for Uber drivers, we examined the factors that genuinely shape private hire work. Pricing mattered, but it wasn’t the only consideration. We looked at claims responsiveness, excess levels, acceptance criteria, onboarding speed, app integration, and how each insurer supports drivers who log high weekly mileage. These are the areas that influence day-to-day reliability, especially in busy urban regions.
A clear pattern emerged once these factors were weighed together. Zego leads because it accommodates both part-time and full-time Uber driving with a level of flexibility that many traditional policies lack. Acorn and INSHUR follow for drivers who need broader acceptance criteria or rapid digital activation. The remaining providers offer long-standing private hire expertise, making them strong alternatives depending on the type of driving you do.
This approach gives a fair reflection of how each insurer performs for real Uber drivers, whether you’re running the platform full-time or using it to supplement your income.
Who made our list of the best uber driver insurers?
1. Zego
Zego is a leading insurer for Uber drivers because it’s built specifically for private hire: it combines hire & reward cover with personal driving, offers a short-term monthly (30-day) rolling option or annual (12-month) longer term option, and includes Zego Sense ( telematics car insurance) which can reward good driving with a discount at renewal.
Zego suits the unpredictable rhythm of Uber work. Many drivers move between peak hours, quieter weeks, and busy weekend bursts. Zego’s policy options are designed to fit that reality, so you’re not forced into a rigid setup that doesn’t match how you earn.
Key advantages for Uber drivers include:
- All-in-one cover that includes both private hire work and social & domestic driving, so you’re not juggling separate policies
- Choice of cover length (30-day monthly or 12-month annual) depending on whether you want flexibility or longer-term value
- Zego Sense (app-based telematics) that tracks driving and can earn you a discount at renewal for driving well
- Manage your policy online / in-app, keeping admin quick and straightforward
- Cover designed for the reality of private hire driving, where mileage is higher and driving is more urban, stop-start, and time-sensitive
For an Uber driver who wants minimal admin and support that fits busy shifts, Zego remains a practical choice: it’s purpose-built for private hire, keeps everything in one place digitally, and adds a clear benefit (Sense) that can pay you back for being a good driver.
2. Acorn Insurance
Acorn is one of the best insurers for Uber drivers who need broader acceptance criteria, steady hire and reward options, and reliable support even if they have points, claims, or limited private hire experience.
Acorn appeals to a different type of Uber driver than Zego. It is a long-standing name in the private hire market, known for taking on drivers that some insurers decline. If you’re new to Uber, rebuilding after a past claim, or you don’t have a long no-claims history, Acorn is often one of the first providers to offer a workable quote. That makes it a practical option for drivers who want to get on the road without facing strict underwriting hurdles.
Where Acorn stands out for Uber drivers:
- Broad acceptance criteria for new, young, or higher-risk driver
- Stable annual hire and reward cover that suits full-time driving
- Predictable monthly instalments for drivers managing cash flow
- A long history in the PHV market, giving it strong familiarity with Uber’s requirements
- Support that tends to favour drivers who work longer hours or cover busy city routes
Acorn works well for drivers who prioritise reliability over app-based convenience. If you’re driving in dense urban areas, taking on long shifts, or still building your private hire history, Acorn offers a straightforward route to compliant Uber cover with fewer obstacles. It’s one of the most consistent choices in the traditional private hire space, which is why it sits comfortably in the number two position.
3. INSHUR
INSHUR is one of the best insurers for Uber drivers who want fast digital onboarding, instant documentation, and a policy system built specifically for app-based private hire work.
INSHUR is designed for drivers who value speed and simplicity. The entire process, from quote to active cover, runs through its digital platform, which means Uber drivers can go from applying to uploading documents in a short window. This matters if you’re joining the platform for the first time or returning to driving after a break. INSHUR’s smooth integration with Uber’s background checks and document requirements reduces time spent dealing with admin.
Where INSHUR benefits Uber drivers:
- Quick, app-based sign-up that gets drivers active without delay
- Instant access to policy documents for Uber’s verification checks
- Pricing that suits both new and experienced private hire drivers
- A digital claims experience that feels more modern than traditional broker routes
- Strong suitability for drivers who prefer managing everything through their phone
INSHUR works best for drivers who want an insurance provider that doesn’t interrupt their workflow. If your priority is getting covered quickly, keeping admin light, and managing everything digitally, INSHUR offers a clean, efficient route into compliant Uber cover. Its convenience and platform-first approach are why it earns its place near the top of the list.
4. InsureTaxi
InsureTaxi is a reliable option for Uber drivers who prefer traditional annual hire and reward cover and want the reassurance of broker-led support rather than an app-based system.
InsureTaxi has been a well-known broker in the private hire sector for many years. What makes it appealing is the stability and experience behind its policies. Many Uber drivers choose it because it offers a clear, consistent route into compliant cover, especially for those who work full time or cover busy city routes. The service feels more personal than digital-only providers, which some drivers appreciate when dealing with claims or paperwork.
Why InsureTaxi works well for Uber drivers:
- Access to established private hire insurers through one broker
- Straightforward annual hire and reward cover suited to full-time driving
- Competitive pricing for experienced drivers with clean records
- Human support that can guide drivers through claims or queries
- A familiar setup for drivers who prefer traditional insurance models
InsureTaxi is a dependable fit if you want a broker who understands private hire work and offers steady, predictable cover. It’s particularly useful for drivers who value having a knowledgeable point of contact rather than relying solely on a mobile app.
5. Haven Insurance
Haven is a strong choice for Uber drivers who want solid hire and reward cover delivered through brokers that understand the private hire market and can handle more complex driver profiles.
Haven sits behind many broker-issued PHV policies, and its underwriting approach tends to suit drivers who want a dependable, traditional structure rather than a flexible app-based model. It is particularly useful for full-time Uber drivers, those driving in dense city areas, or anyone who benefits from broker support when navigating claims or renewals. Haven’s policies often appeal to drivers who want clarity, steady pricing, and a long-established presence in the private hire space.
What Haven offers Uber drivers:
- Consistent underwriting for private hire vehicles
- Annual hire and reward cover suited to regular, high-mileage use
- Strong broker support during claims and document checks
- Options that remain available even when other insurers tighten criteria
- Familiarity with busy urban driving, which shapes its risk assessment
Haven is a practical option for Uber drivers who value stability and want a policy backed by a traditional insurer with a long track record in private hire. If you prefer working through a broker and want predictable support across the year, Haven is a dependable fit.
6. Freeway Insurance
Freeway is a well-established choice for Uber drivers who want comprehensive hire and reward cover, strong claims support, and competitive pricing for experienced private hire drivers.
Freeway has built a solid reputation in the PHV market by offering policies that suit drivers who spend long hours on the road and want predictable year-round cover. It tends to perform best for Uber drivers with a few years of experience or those who maintain a clean driving record. Many drivers choose Freeway for its balance of cover, pricing, and claims efficiency, particularly when working through trusted brokers.
What Freeway brings to Uber drivers:
- strong annual hire and reward cover for full-time private hire work
- competitive rates for drivers with developed no-claims histories
- reliable claims handling supported by experienced private hire teams
- policies suited to busy city routes and long weekly mileage
- a straightforward insurer relationship for drivers who avoid app-based models
Freeway suits Uber drivers who want a stable, full-year policy backed by a team familiar with the pressures of private hire driving. If your priority is long-term reliability rather than flexibility, it’s a strong contender.
Why do Uber drivers need specialist hire and reward insurance?
Uber drivers need specialist hire and reward insurance because standard car insurance doesn’t cover paying passengers, and Uber will not activate a driver account without proof of the correct PHV cover.
Most new drivers are surprised by how strict the requirements are. Once a driver carries passengers for payment, the risk profile changes completely. Long hours, dense traffic, night-time pickups, and frequent stops raise the likelihood of accidents. That’s why specialist insurers underwrite Uber driving differently, assessing things like expected mileage, city centre exposure, and whether the vehicle is used full time or part time.
To make the distinction clear:
| Insurance Type | Covers Paying Passengers | Required for Uber | Typical Driver Usage |
|---|---|---|---|
| Standard Car Insurance | No | No | Personal driving only |
| Hire & Reward (PHV) | Yes | Yes | Carrying passengers for payment |
Without proper hire and reward insurance, Uber drivers risk account suspension, uninsured claims, and legal penalties. Specialist PHV policies exist to cover these scenarios properly, and Uber’s platform checks ensure drivers stay compliant.
Do Uber drivers pay more for insurance than other private hire drivers?
Uber drivers often pay slightly more for insurance because they typically cover higher mileage and work busier urban areas where minor incidents are more common.
The difference isn’t huge, but it is noticeable in larger cities. A driver completing 200 miles a week doing regional trips will sit in a lower risk band than a driver doing 900 miles across London zones. Uber’s model encourages frequent short trips, late-night work, and high pickup density, all factors that insurers price into their risk calculations.
A quick comparison:
- A London Uber driver completing airport runs and weekend nightlife shifts will almost always sit at the upper end of PHV pricing.
- A Manchester or Leeds-based private hire driver with a steadier shift pattern often sees lower premiums even within the same insurer.
Insurers are simply responding to patterns they see in claims data. More traffic, more stops, more hours, and more night-time journeys create a higher risk profile.
How to choose the right Uber driver insurer for your needs
Choose an Uber driver insurer by matching the policy to how you drive, how much you drive, and how much flexibility or stability you need across the year.
A driver working 50 hours a week in London will value consistent annual cover and a strong claims process. Someone using Uber for top-up income might prioritise flexible pricing or simple app-based management. Vehicle type also matters. Hybrid and EV drivers often benefit from insurers with modern repair networks, while drivers using older vehicles may prefer traditional brokers with broader underwriting options.
Two quick examples help make this real:
- A full-time Uber X driver covering 1,000 miles a week might prefer InsureTaxi or Haven for the stability of an annual policy and broker support.
- A part-time weekend driver might lean toward Zego or INSHUR for convenience and flexibility.
Choosing the right insurer isn’t about the cheapest quote, but about pairing the insurer’s strengths with your driving pattern.
Final thoughts
Finding the right insurer as an Uber driver isn’t about chasing the lowest price. It’s about matching your driving pattern to a provider that supports it without creating unnecessary admin or gaps in cover.
Some drivers need app-based flexibility because their hours rise and fall throughout the year. Others prefer the stability of a traditional annual policy and the reassurance of speaking to a broker who understands private hire work. The insurers in this list stand out because they are built around the realities of long shifts, dense traffic, and constant document checks.
Zego leads because it suits how many Uber drivers work today, particularly those who want fast onboarding and flexibility. Acorn and INSHUR offer accessible routes for newer drivers or anyone who wants a digital, low-friction setup.
Traditional providers such as InsureTaxi, Haven, and Freeway remain strong choices for drivers who value predictable policies and steady claims support. These insurers tend to suit full-time drivers or anyone covering higher weekly mileage.
The best choice is the insurer that fits your own routine. When cover aligns with how you earn, where you drive, and the shifts you work, everything from onboarding to claims becomes easier to manage.
Frequently Asked Questions (FAQs)
Sometimes, but only if the policy specifically includes private hire, hire and reward. Many standard taxi policies are written for hackney carriage work, so Uber drivers must check the wording carefully before assuming it applies.
No. Business class insurance doesn’t cover passengers carried for payment. It’s designed for commuting or work-related travel, not private hire work. Uber only accepts PHV hire and reward insurance.
Uber offers some partner protection during trips, but it isn’t a substitute for proper PHV insurance. It won’t get a driver through Uber’s onboarding checks, and it doesn’t meet legal requirements.
Yes, although the type of points matters. Minor offences are often accepted, while more serious convictions can limit insurer options. Some providers specialise in drivers with endorsements, which helps keep premiums manageable.
Often it is. Insurers price inexperience as a higher risk, especially in large cities. New PHV drivers usually see premiums fall after their first full year if they avoid claims.
They do if they plan to switch between passengers and parcels. Not every insurer covers both types of hire and reward. Drivers who use apps like Uber Eats or Deliveroo need dual-use cover explicitly stated on their policy.
Every time the policy renews or changes. Uber’s system checks expiry dates, so drivers with annual policies typically upload documents once a year unless they switch insurer or amend their cover.
Yes, although monthly payments usually cost more overall. For drivers with steady weekly earnings, annual payment can be cheaper, but instalments remain popular with newer drivers managing start-up costs.