Cover you can count on while ridesharing
If you depend on your vehicle for work, your car is one of your most valuable assets. At Sterling, we understand how important your vehicle is, which is why our PHV insurance can be tailored to suit your specific needs.
Whether you use Uber to pick up some extra cash on the weekends or you use all the main apps and switch between them to earn a living, we can help. And with optional public liability cover, breakdown insurance, excess protection, and more, you can choose what matters to you.
Note that if you are licensed by Transport for London (TfL) and driving for Uber, you must choose a provider from Uber’s approved list of “Instadoc” insurers. If you’re a London driver using other apps, or if you drive anywhere else in the UK, we can help you get PHV insurance.
The benefits of getting PHV insurance with Sterling Insurance can include:
- Like-for-like replacement vehicle with some policies if your car cannot be used
- Public liability cover up to £10 million
- £100,000 of legal cover included with every policy
- Cover for all car models and rideshare drivers
- Wide range of optional extras available, including breakdown cover, gadget cover, excess protect, keycare and misfuelling cover
- 24/7 claims helpline
Like-for-like replacement vehicle
If your vehicle is in the garage for repairs after an accident, some of our policies can include a like-for-like replacement vehicle while yours is getting fixed. This helps ensure that you can keep earning even when your car is out of action. Let us know if this is something you’d like to add to your policy.
Public liability cover up to £10 million
When you’re driving passengers for hire and reward, accidents can happen. If you’re accused of personal injury or property damage by a passenger or another member of the public, public liability cover covers the compensation costs and legal fees involved with claims made against you. We offer this type of cover in two levels: £5 million worth of cover, which costs £71.46, or £10 million worth of cover for £84.
£100,000 of legal cover included with every policy
Legal cover is a standard feature in our PHV insurance policies. If you’re involved in an accident that’s not your fault, the legal cover helps you to recover any uninsured losses.
Cover for all types of vehicles
Whether you own the latest hybrid vehicle or a petrol or diesel workhorse, we can cover you. We’re well-versed in providing insurance for all types of vehicles, even if you’ve chosen an unusual car to ferry people around in.
Wide range of optional extras available
From breakdown cover and keycare to excess protection and personal accident cover, we offer a range of extra benefits to suit your needs. Let us know if you’d like to add any to your policy.
24/7 claims helpline
When you work irregular hours for one of the ridesharing apps, we know how vital it is for you to have around-the-clock support if the worst happens. Our claims helpline is open 24 hours a day, seven days a week, so you can be sure we’re always just a call away.
Frequently asked questions
What is ridesharing insurance?
This is a specialist policy designed specifically to meet the needs of Uber, Bolt and other app-based PHV drivers. It covers a private or hired vehicle used for hire and reward and bridges the gap between a standard car insurance policy and the cover you need when carrying passengers.
How much is rideshare insurance?
The cost of your PHV insurance will depend on many factors, including where you usually drive, your driving experience and the vehicle you own.
This type of cover is generally more expensive than a standard car insurance policy, but your premium can vary wildly depending on where you’re based. For instance, rideshare drivers in London and other major cities might find they pay more than those based in smaller towns.
The best way to know the cost of your ridesharing insurance is to get a quote with us directly. Call us for our best rates.
Why is rideshare insurance so expensive?
PHV insurance is usually more expensive than regular car insurance policies because you generally spend more time on the road than other drivers. This increases the risk of you being involved in an accident or claiming on your insurance.
There are also added risks involved with hire and reward work, such as a passenger making a claim against you. Your premium reflects this added risk.
Do you offer other PHV insurance policies?
Yes, we offer a range of taxi insurance policies, including private hire insurance if you work for a local minicab firm or chauffeur service. We can also cover decommissioned taxis for SDP use and black cabs. Just get in touch for a quote.
