Bolt & Uber Taxi Insurance

If you drive for Uber, Bolt or other private hire apps, you need specialist taxi insurance that keeps you covered while you work. At Gomigo, we help Uber drivers and private hire drivers get the right cover quickly, without the waffle.

We know your priority is getting insured and getting on the road. That’s why we aim to deliver your instant insurance documents fast, so you can start driving as soon as possible.

As a broker that works exclusively with professional drivers, we understand the insurance requirements for UK drivers working for apps like Uber, Bolt, Ola, and more. We’ll help you find the right insurance policy at exclusive rates from trusted insurers.

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Go + Amigo = GoMigo

Go: to move or proceed

Amigo: a friend; comrade

What Insurance Do I Need to Drive For Uber?

If you’re working as an Uber driver in the UK, standard car insurance is not enough. You legally need private hire insurance that includes hire and reward cover. Your Uber taxi insurance may include:

  • Private hire insurance cover
  • Public liability insurance
  • Passenger liability cover
  • Social, domestic and personal use cover
  • Comprehensive, third party or third party fire and theft cover
  • Increased fault hire cover
  • Legal expenses protection
  • Public liability cover for injury claims and accidents

If you drive in London or other areas requiring automated checks, you may also need Instadoc approved insurance so your policy can be verified directly with the licensing authority. At Gomigo, we make the process simple. Our insurance advisors help you understand your options clearly, without confusing policy wording or hidden extra cost surprises.

What Does Uber Taxi Insurance Cover?

Uber taxi insurance is designed specifically for private hire drivers using their vehicle for hire and reward work. Unlike standard car insurance, it protects you while carrying passengers for payment. Depending on the policy you choose, your Uber driver insurance may include:

  • Private hire insurance cover
  • Public liability insurance
  • Passenger liability cover
  • Social, domestic and personal use
  • Windscreen cover
  • Legal expenses protection
  • Increased fault hire cover
  • Cover for theft, fire and accidents
  • Claims support and injury claim assistance

There are different levels of taxi insurance cover available depending on your needs and budget:

Third-Party Only

Third-Party Only is the minimum level of insurance required by law. This level of cover protects the other party involved in an accident, but does not cover damage to your own vehicle.

Third-Party, Fire & Theft

Third-Party, Fire & Theft insurance includes cover for damage caused to third parties, as well as protection if your vehicle is damaged by fire or stolen.

Comprehensive

Comprehensive Uber taxi insurance includes Third-Party, Fire & Theft cover, plus additional protection depending on your policy. This may include accidental damage cover for your own vehicle, increased protection benefits and additional policy features. Our insurance advisors can help you compare cover options and explain the full terms of your policy clearly, so you know exactly what’s included.

Other Taxi Apps We Insure

Our private hire insurance policies are suitable for drivers working across multiple platforms, including:

  • Uber
  • Bolt
  • Ola
  • FreeNow
  • Local taxi operators
  • Private hire fleets

Whether you work part-time, full-time or switch between apps, we can help you find cover that fits the way you drive.

 

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Why Choose Gomigo?

We know your world moves quickly. Whether you’re driving for Uber, Bolt or another private hire app, you need insurance sorted fast, without spending hours on the phone. At Gomigo, we work with professional drivers across the UK to help them get the right cover at the right price. No call centres. No confusing jargon. Just genuine people ready to help you get on the road. Why drivers choose Gomigo:

  • Fast quotes and instant insurance documents
  • Friendly UK-based insurance advisors
  • Access to exclusive rates from leading insurance companies
  • Instadoc approved policies available
  • Cover for Uber drivers, Bolt drivers and private hire fleets
  • Flexible insurance policies for one vehicle or multiple vehicles
  • Support for new drivers and experienced private hire drivers
  • Clear advice without the waffle
  • Help understanding policy wording, cover and insurance requirements

We aim to make the process simple, so you can focus on driving, earning money and keeping your customers moving.

Get A Quote Today

Looking for Uber taxi insurance that works around you? GoMigo helps UK drivers get covered quickly with friendly service from people who understand the industry. No call centres. No unnecessary delays. Just genuine support from experienced insurance advisors. We can help with:

  • Annual policy options
  • One vehicle private hire cover
  • New Uber driver insurance
  • Drivers with previous claims or higher risk profiles
  • Instant insurance document delivery

 

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Uber Driver Insurance FAQs

Is Uber insurance from Gomigo Instadoc approved?

Yes, we can arrange Instadoc approved cover for eligible Uber drivers where required. This allows licensing authorities to verify your insurance online. If you’re unsure whether your local authority requires this, our team can advise you during the quote process.

How much does Uber insurance cost?

The cost of Uber insurance depends on several factors including:

  • Your age and driving history
  • Your location in the UK
  • Your vehicle
  • Claims history
  • No claims discounts
  • Whether you use the car for personal use as well as hire
  • Annual mileage and working hours

Drivers with more experience and lower risk profiles may qualify for discounts or exclusive rates. We’ll help you find competitive insurance coverage for your needs.

What isn't covered under Uber insurance?

Every policy wording is different, but exclusions may include:

  • Driving outside agreed usage
  • Non-disclosed drivers
  • Driving without the correct licence
  • Using the vehicle for non-hazardous goods delivery if not declared
  • Wear and tear or mechanical failure
  • Driving in excluded EU countries

Always check your policy documents for full terms, conditions and limitations.

Can Uber taxis be covered under private hire insurance?

Yes. Uber vehicles are typically insured under private hire insurance because journeys are pre-booked through the app. Private hire insurance exclusively covers this type of work and is a legal requirement for Uber driver partners operating in the UK.

Unlike public hire taxis, Uber drivers cannot legally pick up passengers from taxi ranks or street hails unless separately licensed for public hire.

What's the difference between Uber insurance and hire and reward insurance?

Hire and reward insurance is the type of cover legally required for drivers transporting passengers or goods in exchange for payment. Uber insurance is a form of private hire insurance that includes hire and reward cover specifically for Uber driver partners and other private hire drivers.

In simple terms:

  • Hire and reward insurance is the core cover needed to carry paying passengers
  • Uber insurance is a broader private hire policy designed for Uber drivers that may also include additional protection such as public liability cover, legal expenses and personal use cover

Without hire and reward cover included in your policy, you would not be legally insured to drive for Uber in the UK.

Do Uber drivers need hire and reward insurance?

Yes. Hire and reward insurance is a legal requirement for Uber drivers and private hire drivers in the UK. Standard personal driving insurance does not cover carrying passengers for payment.

Can I use normal car insurance for Uber?

No. Standard car insurance only covers personal use, social, domestic driving and commuting. If you drive for Uber or Bolt, you need specialist private hire insurance with hire and reward cover.

Can I drive for Uber and Bolt on the same insurance policy?

In many cases, yes. Some private hire insurance policies allow drivers to work across multiple apps including Uber, Bolt and other taxi services. Gomigo can help you arrange this cover in your taxi insurance policy.

What documents do I need for Uber insurance?

Most insurance companies will ask for:

  • Your driving licence
  • Vehicle details
  • Private hire licence
  • Proof of no claims discounts where applicable
  • Personal details and driving history

Additional documents may be required depending on the insurer and risk profile.

Can new Uber drivers get insured?

Yes. GoMigo works with insurance providers that can offer policies for both experienced drivers and new Uber driver partners.

Does Uber insurance include public liability cover?

Some Uber insurance policies include public liability insurance or offer it as an optional extra. This helps protect you if a passenger or member of the public makes a claim for injury or property damage.

What happens if I have an accident while working?

If you’re involved in an accident while working as a private hire driver, your insurer will assess the claim based on your level of cover and policy wording. Claims involving passengers, third parties or vehicle damage may all be covered depending on the policy selected.