# Uber Insurance Requirements **Category:** [Uber](https://community.mycartracks.com/c/uber/21) **Created:** 2026-04-20 09:20 UTC **Views:** 7 **Replies:** 0 **URL:** https://community.mycartracks.com/t/uber-insurance-requirements/216 --- ## Post #1 by @MyCarTracks_support Uber drivers should understand insurance before going online, not after an accident. If you want mileage tracking and insurance records to stay organized from the start, set both up before your first trip. The key question is what coverage applies when the app is off, online and waiting, en route to a pickup, or on a trip. Uber maintains platform coverage during certain app periods, but personal auto insurance still matters. Personal policies can have rideshare exclusions, and market-specific coverage can vary by state, province, or country. If you want mileage tracking and insurance records to live in the same workflow, [MyCarTracks](https://www.mycartracks.com/) gives you a single place to organize the trip log and the incident notes before you ever need them. ## Quick answer Before driving, confirm your personal policy is active, ask your insurer whether rideshare driving is covered, save the written answer, and keep Uber insurance documents for your market. If an incident happens, save app status, trip status, photos, police report number if any, Uber report confirmation, insurer claim number, deductible, repair estimate, and mileage context. ## What to confirm before driving Before driving with Uber, confirm that your personal auto policy is active and meets the legal minimums in your market. Uber requires proof of insurance when you drive with your own vehicle. If the vehicle is not yours, Uber help content says you need permission from the owner and must be listed as an insured driver on the policy. Also ask your insurer about rideshare use. Uber maintains commercial insurance while you are using the platform, but personal policies can still have rideshare or delivery exclusions. A written answer from the insurer is better than a verbal note you cannot prove later. If Uber asks for proof, make sure the copy shows your name, policy number, and coverage dates, and ask whether your market requires a rideshare endorsement on the personal policy. ## Coverage when the app is off When the Driver app is off, your personal auto policy is the coverage that matters. Uber’s rideshare coverage does not replace personal insurance for normal personal driving, commuting, errands, or other non-Uber use. For recordkeeping, keep the policy declarations page, insurance card, renewal date, excluded-driver notes, and any rideshare endorsement or written insurer response. If you change vehicles or insurers, save the old and new versions. ## Coverage while online and waiting When you are online and available for a trip but have not accepted a request, Uber says its third-party liability coverage applies at least at these US amounts if you are at fault: - $50,000 per person for injuries - $100,000 per accident for injuries - $25,000 for property damage per accident State-specific coverage can vary, and some states require extra coverage such as uninsured or underinsured motorist coverage, personal injury protection, or medical payments coverage. Drivers should use Uber’s Certificates of Insurance or Driver app insurance screen for the market-specific version. ## Coverage en route or on trip Once you accept a rideshare trip and are driving to pick up a rider, or once the rider is in the vehicle, Uber says it maintains at least $1,000,000 of third-party liability coverage for property damage and injuries to riders and third parties when you are at fault. Uber also says coverage to repair your vehicle can apply up to the vehicle’s actual cash value with a $2,500 deductible, but only if your personal auto policy includes comprehensive and collision coverage for that vehicle. If you only carry liability coverage, you should not assume Uber will cover damage to your own car. ## What Uber does not cover Uber’s insurance does not pay for normal maintenance, repairs needed to pass inspection, fuel, tires, brakes, cleaning, depreciation, or a replacement vehicle while yours is being repaired. Those costs belong in your business expense and vehicle-cost records, not in an insurance claim file. Commercially licensed or livery drivers may need their own commercial insurance. Uber’s insurance page says commercially insured livery drivers are treated differently, so black car, limousine, taxi, and for-hire drivers should not rely on the standard rideshare summary. ## Accident workflow If an accident happens, the record should show: - app status: offline, online waiting, accepted, en route, or on trip - trip or rider context where available - police report number if there is one - photos of vehicles, damage, plates, location, and road conditions - rider and third-party contact or insurance details - Uber crash report or Safety Toolkit submission - insurer claim number and adjuster messages - repair estimate, deductible, rental records, and downtime notes Uber says drivers can report a crash through the Driver app Safety Toolkit or Help flow. After the claim is submitted, the Driver app may direct the driver to the Crash Center for claim status and insurer contact details. ## Regional notes ### United States Use Uber's state Certificates of Insurance for the exact coverage language in your state. The national summary is useful, but state law can change uninsured motorist, personal injury protection, medical payments, workers' compensation, and injury-protection rules. Keep the policy pages, app status notes, and claim records together because the coverage changes by app stage. ### Canada Uber's Canadian driver and vehicle pages say you need proof of insurance, vehicle registration, and a vehicle that meets local inspection rules. Provincial requirements vary by city and province, so keep the personal policy, vehicle registration, inspection record, and any insurer confirmation together. ### United Kingdom Uber's UK driver requirements say you need a private-hire licence from an approved council and private-hire motor insurance, and the vehicle age rules differ between London and outside London. Keep your council licence, insurance proof, and vehicle documents together so the file shows you are cleared to drive in the right market. See [Uber UK driver requirements](https://www.uber.com/gb/en/drive/requirements/) and [Uber UK vehicle requirements](https://www.uber.com/gb/en/drive/requirements/vehicle-requirements/). ### Australia Uber's Australia vehicle page says vehicles must be ANCAP 5-Star rated or exempt, registered in your state, CTP-insured, and covered by at least third-party property damage insurance. Keep the insurance proof, registration, and inspection record together because the vehicle must be compliant before you go online. See [Uber Australia vehicle requirements](https://www.uber.com/au/en/drive/requirements/vehicle-requirements/). ### Germany Uber's Germany driver page says you need a private-hire driving licence (P-Schein), a medical exam, and local authority approval, usually through a fleet partner. Keep the P-Schein, vehicle registration, business registration, tax ID, and insurance confirmation together because the German setup is more operator-based. See [Uber Germany driver requirements](https://www.uber.com/de/en/drive/requirements/). ### France Uber's France driver page says the VTC exam is part of the professional onboarding flow and that you can start from a driver account or Greenlight Hub support. Keep the exam proof, driver account records, and vehicle documents together so the file shows how you qualified locally. See [Uber France driver requirements](https://www.uber.com/fr/en/drive/requirements/). ## Global availability Uber says it operates in more than 15,000 cities worldwide, so the regional notes below are not an exhaustive country list. I have focused on markets where Uber's own pages give enough detail to matter for insurance proof, vehicle compliance, or licensing records. See [Uber cities worldwide](https://www.uber.com/us/en/r/cities/). ## Austria Uber's Austria pages show that some drivers work through taxi companies or fleet partners rather than a private-car model, so insurance and vehicle records may sit with a fleet or employer file. Keep the insurance proof, vehicle registration, and fleet documents together so the local setup is clear. See [Uber Austria driver requirements](https://www.uber.com/at/en/drive/requirements/) and [Uber Austria vehicle requirements](https://www.uber.com/at/en/drive/requirements/vehicle-requirements/). ## Italy Uber's Italy vehicle page lists NCC licence, liability insurance, and booklet documents as part of the vehicle file. Keep those documents with the insurance proof so the local compliance story matches the actual vehicle setup. See [Uber Italy driver requirements](https://www.uber.com/it/en/drive/requirements/) and [Uber Italy vehicle requirements](https://www.uber.com/it/en/drive/requirements/vehicle-requirements/). ## Spain Uber's Spain vehicle page lists a circulation permit, passed inspection (ITV), VTC licence, and vehicle insurance. Keep the insurance proof with the inspection and licence records so the vehicle file shows you are cleared to drive locally. See [Uber Spain driver requirements](https://www.uber.com/es/en/drive/requirements/) and [Uber Spain vehicle requirements](https://www.uber.com/es/en/drive/requirements/vehicle-requirements/). ## Records checklist - personal insurance declarations page - rideshare endorsement or insurer written response - Uber insurance certificate for your state or market - vehicle registration and inspection documents - app status screenshots after an incident - accident photos and police report number - Uber crash report confirmation - claim number, repair estimate, deductible, and downtime notes - renewal calendar for policy, registration, inspection, and local permits ## Mileage tracking for insurance records
### Mileage tracker app setup Use [MyCarTracks](https://www.mycartracks.com/) to keep trip status and mileage records organized around insurance questions. If you use a mileage tracker app, keep the mileage logs with the policy pages and accident notes so the whole record set stays together. Tag Uber driving separately from personal driving, add notes for inspection trips or incidents, and export reports if you need to explain business use, downtime, or the difference between personal and platform driving. The [business mileage reports](https://www.mycartracks.com/products/automatic-mileage-tracking) page helps when you need a clean export for an incident file or tax review. ## What to read next - [Uber Background Check](https://community.mycartracks.com/t/uber-background-check/214) - [Uber Driver Guide](https://community.mycartracks.com/t/uber-driver-guide/215) - [Uber Mileage Guide](https://community.mycartracks.com/t/uber-mileage-guide/217) - [Uber Pay Guide](https://community.mycartracks.com/t/uber-pay-guide/218) - [Uber Driver Requirements](https://community.mycartracks.com/t/uber-driver-requirements/219) - [Uber Tax Deductions](https://community.mycartracks.com/t/uber-tax-deductions/220) ## Sources - [Uber US insurance overview](https://www.uber.com/us/en/drive/insurance/) - [Uber US vehicle requirements](https://www.uber.com/us/en/drive/requirements/vehicle-requirements/) - [Uber US driver requirements](https://www.uber.com/us/en/drive/requirements/?countryiso2=us%255Cu0022) - [Uber Canada driver requirements](https://www.uber.com/ca/en/drive/requirements/) - [Uber Canada vehicle requirements](https://www.uber.com/ca/en/drive/requirements/vehicle-requirements/) - [Uber Canada regulatory requirements](https://www.uber.com/ca/en/drive/requirements/regulatory/) - [Uber UK driver requirements](https://www.uber.com/gb/en/drive/requirements/) - [Uber UK vehicle requirements](https://www.uber.com/gb/en/drive/requirements/vehicle-requirements/) - [Uber Australia vehicle requirements](https://www.uber.com/au/en/drive/requirements/vehicle-requirements/) - [Uber Australia tax information](https://www.uber.com/au/en/drive/tax-information/) - [Uber vehicle requirements help](https://help.uber.com/en/driving-and-delivering/article/fahrzeuganforderungen?nodeId=2ddf30ca-64bd-4143-9ef2-e3bc6b929948) - [Uber Germany driver requirements](https://www.uber.com/de/en/drive/requirements/) - [Uber Germany tax information](https://www.uber.com/de/en/drive/tax-information/) - [Uber France driver requirements](https://www.uber.com/fr/en/drive/requirements/) - [Uber France tax information](https://www.uber.com/fr/en/drive/tax-information/) - [Uber cities worldwide](https://www.uber.com/us/en/r/cities/) - [Uber Austria driver requirements](https://www.uber.com/at/en/drive/requirements/) - [Uber Austria vehicle requirements](https://www.uber.com/at/en/drive/requirements/vehicle-requirements/) - [Uber Italy driver requirements](https://www.uber.com/it/en/drive/requirements/) - [Uber Italy vehicle requirements](https://www.uber.com/it/en/drive/requirements/vehicle-requirements/) - [Uber Spain driver requirements](https://www.uber.com/es/en/drive/requirements/) - [Uber Spain vehicle requirements](https://www.uber.com/es/en/drive/requirements/vehicle-requirements/) --- **Canonical:** https://community.mycartracks.com/t/uber-insurance-requirements/216 **Original content:** https://community.mycartracks.com/t/uber-insurance-requirements/216