Uploading Insurance: Uber's Vehicle Prep

To drive for Uber, you need to upload certain documents to your Uber account, including a valid driver's license, proof of insurance, and current vehicle registration. You can do this by tapping the menu icon in the top left corner of the app, selecting the document you need to upload, and taking a clear photo of the document. It's important to ensure that all four corners of the document are visible and that the document is not blurry or expired. If your name isn't on your insurance card, you'll need to provide your insurance declaration page, which includes details such as the policyholder's name, policy number, vehicle information, and coverage dates. You can obtain this from your insurance company's website or by contacting them directly.

Uploading insurance documents to the Uber app

If you need to manually upload your insurance documents, open the Uber app and tap the menu icon in the top left corner (this is three lines). Pick the document you need to upload and click 'Take Photo' to take a clear image of the document. You can also upload a PDF. Ensure that all four corners of the document are visible and that the photo is well-lit and not blurry.

It can take up to 48 hours for your documents to be reviewed and verified. If your document is rejected, it may be because it is expired, or there is a problem with the document. Check that the document is not going to expire within the next six months and that it contains all the required details.

Uploading insurance documents to Uber.com

First, make sure you have the correct insurance. If you are delivering with Uber Eats using a car, motorbike, or scooter, you will need a Certificate of Motor Insurance that covers food delivery or hire and reward, including food delivery. You are free to choose your insurance provider, but some companies offer flexible options, including hourly, monthly, and annual policies, and will automatically upload your insurance certificate directly to your Uber account.

If you choose to manually upload your insurance documents, you can do so either in the Uber app or on your profile at Uber.com. In the app, tap the menu icon (three lines) in the top left corner, then pick the document you need to upload. Click "Take Photo" to capture a clear image of the document. Make sure all four corners of the document are visible, and the photo is well-lit and not blurry. You can also upload a PDF, but only one at a time.

It can take up to 48 hours for your documents to be reviewed and verified, and you may be notified that a document is rejected or expired if you or your vehicle don't meet the eligibility requirements or there is a problem with the document. To avoid this, ensure that your document contains all required details and is clearly visible, and check that it is not expired and won't expire within the next six months.

By following these steps, you can easily upload your insurance documents to Uber.com and get started as an Uber driver or delivery partner.

What to do if your insurance is rejected

To upload your vehicle insurance to Uber, you must first ensure that your name is on the insurance card. If not, you will need to provide an insurance declaration page. This can be uploaded with your insurance card via the Uber app or on your profile at Uber.com.

The insurance declaration page includes:

• The policyholder's name
• Names of additional insured drivers
• Policy number (with certain digits removed for privacy)
• Start and end dates of your policy
• Vehicle information: year, make, model, and VIN (Vehicle Identification Number)

If you don't have the declaration page, you can check your mail, log into your insurance company's website, or contact your insurance company to request the document.

Once you have the necessary documents, you can upload them by tapping the menu icon in the top left corner of the Uber app, selecting the document you need to upload, and clicking "Take Photo" to capture a clear image.

It is important that the photo is clear, well-lit, and includes all four corners of the document. Additionally, Uber requires that the document be the original copy and that all text is legible.

If your insurance document is rejected, it could be due to one of the following reasons:

• You or your vehicle do not meet the eligibility requirements.
• There is a problem with the document(s) you uploaded.
• The photo is blurry or poorly lit.
• The document is not the original copy.
• The text is illegible.
• All four corners of the document are not visible.
• The type of document does not match what is requested.
• The document is expired or will expire within the next six months.
• The document is missing information.

To avoid rejection, ensure that you have provided a clear, well-lit photo of the original document, with all four corners visible, and that the document includes all the necessary information and matches the type of document requested. If your document is rejected, you can re-upload it in your Partner Dashboard.

If your insurance document continues to be rejected, you may need to contact Uber support for further assistance. You can also try visiting a Greenlight Hub if there is one near you, as they can approve documents instantly. It is recommended to provide physical documents at the hub for faster resolution.

Choosing an insurer

When choosing an insurer for Uber, there are several factors to consider. Firstly, it is important to understand the requirements for driving with Uber. Uber maintains auto liability insurance on behalf of all US rideshare drivers while logged into the Uber app. However, as a rideshare driver, you are required to have your own personal auto insurance that satisfies the minimum requirements of your state and ensures your coverage is up to date while driving with Uber. Therefore, you should consider choosing an insurer that offers flexible options, such as hourly, monthly, or annual policies, and preferably one that can automatically upload your insurance certificate directly to your Uber account. This will save you time and minimise issues with document uploads.

It is also essential to review the coverage provided by the insurer. Uber's insurance policy has certain coverage gaps, so you need to ensure that your chosen insurer can fill in these gaps. For example, Uber's liability limits during Period 1 (when the app is on, but you are waiting for a ride request) are relatively low, and the company does not offer comprehensive and collision coverage during this phase. Therefore, you may want to consider an insurer that offers higher liability limits and comprehensive and collision coverage.

Additionally, some insurers have partnerships with Uber, which can make the verification process easier and save you time. For instance, INSHUR is an official Uber insurer and can support new drivers through initial checks. They also offer a 100% digital process for existing Uber drivers to buy or renew their private hire insurance without any phone calls. Moreover, INSHUR provides personalised quotes and benefits based on your driving score and Uber Pro status. From 1 January 2022, in London, Uber will only accept insurance policies from its list of Instadoc-approved insurers, including INSHUR. So, if you are licensed by Transport for London (TfL), you will need to choose from this list of approved companies.

Another factor to consider is the type of insurance you need. If you are using a car, motorbike, or scooter for Uber Eats deliveries, you will need a Certificate of Motor Insurance that covers food delivery or hire and reward, including food delivery. Some insurers, such as Zego, offer cover for cars, scooters, and motorcycles, while others provide cover specifically for cars. You may also want to consider optional insurance, such as Injury Protection, which provides additional coverage for medical expenses, disability, loss of life, and dismemberment.

In summary, when choosing an insurer for Uber, look for flexible policy options, automatic document uploads, comprehensive coverage to fill in Uber's gaps, partnerships with Uber for easier verification, and the specific type of insurance you require, including optional coverages.

Required details on insurance documents

To upload your vehicle insurance to Uber, you will need to provide proof of insurance. This can be in the form of an insurance ID card or other documents from your insurance company.

The following details are required on your insurance documents:

• Policy number
• Policy effective dates
• Covered vehicle
• Policyholder name
• Names of additional insured drivers
• Start and end dates of the policy
• Vehicle information: year, make, model, and Vehicle Identification Number (VIN)
• Driver's license number and dates licensed for all drivers
• Vehicle registration
• Driving history, including past accidents, traffic violations, and claims
• Proof of ownership
• Prior insurance coverage and dates

To upload these documents to your Uber account, open the app or log in to your profile on Uber.com. Tap the menu icon in the top left corner, select the document you need to upload, and click "Take Photo" to capture a clear image of the document. Ensure that all four corners of the document are visible in the photo, and allow up to 5 days for Uber to review your uploaded documents.

Frequently asked questions