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Uber Drivers Insurance

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Uber insurance

Uber insurance NZ

Uber drivers insurance is a specific type of coverage tailored for those who drive for Uber. This insurance provides protection for drivers, passengers, and even third parties in the event of accidents or other incidents that might occur during ridesharing activities.

Why is uber insurance important? 

Driving for Uber can be lucrative and convenient, but it also presents unique risks. With the rise of ridesharing services, the need to protect oneself from unforeseen liabilities and accidents has grown. Uber drivers insurance helps to:

Protect Assets: Accidents can lead to significant expenses. With the right coverage, drivers won’t have to face the full brunt of these costs from their pockets.

Guard Against Liability: If a passenger or third party gets injured, having insurance can shield drivers from potentially huge financial responsibilities.

Ensure Continuity: In case of accidents, insurance helps drivers get back on the road faster, ensuring minimal loss of income.

In New Zealand, the average cost of uber insurance typically ranges between $80 – $200 per month. 

What covers are typically included in uber drivers insurance? 

Business Vehicle Insurance

Protects vehicles used for uber driving purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for for these activities.

Best For
  • Repair costs
  • Third party damages
  • Injuries 

Loss of use

Coverage that helps when your vehicle is unusable due to an accident. It covers the cost of a temporary replacement vehicle or a cash reimbursement, so you can still make a living whilst your car is being repaired.

Best For
  • Temporary vehicle
  • Reimbursement expenses
  • Accident downtime

How much does uber drivers insurance cost?

Uber drivers insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Uber insurance in NZ typically costs between $80 to $200 per month

Who needs uber drivers insurance?

If you’re driving for Uber, whether part-time or full-time, you need Uber drivers insurance. This applies to:

  • Full-time Uber Drivers: Those who rely on Uber as their primary source of income.
  • Part-time Uber Drivers: Even if you drive only occasionally, the risks remain, and so does the need for coverage.
  • Owners of Uber Fleets: If you own multiple cars driven by different drivers for Uber, it’s crucial to ensure each vehicle and driver is adequately covered.

No, regular car insurance doesn’t cover commercial activities like ridesharing. There’s a gap between personal car insurance and what Uber’s company policy might cover. Uber drivers insurance fills this gap, ensuring you’re protected during all stages of a trip.

No, it does not provide insurance for the drivers or vehicles. Uber requires you to purchase insurance independently. 

How do I get a certificate of insurance for uber driving?

You can usually get a certificate of insurance same day when you purchase insurance through Gerrards.

Acquiring a uber driving insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof to start driving. .

To obtain insurance coverage promptly, contact one of our uber insurance brokers. We may require you to provide some fundamental details about your business, such as:

  • The name of your business
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

What does uber insurance not cover?

Use of Drugs or Alcohol

Accidents caused while under the influence aren’t typically covered.

Maintenance Issues

Wear and tear or mechanical failures aren’t typically covered.

Personal Belongings

Items stolen from your car, like your phone or wallet, might not be covered.

Other common questions about carpet cleaners insurance

No providers in New Zealand allow this. However you can cancel and reinsure your vehicle. Do note there could be cancellation fees and this may not be cost effective depending on the duration of time between driving. 

While your insurance might not cover the loss of passenger belongings, it’s best to try and return them. Uber also has a lost and found policy in place.

Comprehensive Uber drivers insurance should cover you during all phases, from the time you turn on the app to the time a ride ends and even whilst you are using the car personally. 

Generally, insurance is vehicle-specific. If you change your car, you’ll need to notify your insurance provider and adjust your policy.

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