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Insurance for Uber Drivers in Australia

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min read
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Aug 12, 2022
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Written By:
Patricia Opsima
Uber Driver On-The-Go

Uber is a ride-sharing platform that allows private drivers to earn money by giving others rides. In Australia, Uber drivers need to have the right kind of insurance if they want to be able to drive legally. Here are some options for private car insurance, public liability insurance, professional indemnity insurance, income protection insurance and workers compensation insurance for Uber drivers in Australia.

Private car insurance for Uber drivers

For Uber drivers, the private car insurance that you’re currently paying for your own vehicle does not cover you when you are using it as part of your Uber business. 

If you use a car that is owned or leased by someone other than yourself as part of your work as an Uber driver (eg if you drive for them), then this will be covered under their motor insurance policy.

Public liability insurance for Uber drivers

Public liability insurance is a type of protection that covers you for any personal injury or property damage caused to others by your actions. This includes:

  • Bodily injury
  • Property damage

Public liability insurance does not cover you for financial losses, such as loss of earnings or profits, income replacement, pension benefits and loss of business. These types of losses are typically covered under commercial general liability (CGL) policies which offer a broad range of cover options, including professional indemnity and product liability. If you want to protect yourself from these potential losses, then speak with an insurance adviser about obtaining additional policies.

Professional Indemnity Insurance for Uber Drivers

Professional indemnity insurance can protect you if you are sued for breach of contract, negligence, or an offence. It will cover your legal costs and other expenses, such as:

  • Legal defence costs
  • Court filing fees
  • Expert witness fees (including those incurred before and during trial)
  • Costs associated with court-ordered custody assessments and treatment programs in relation to allegations of child abuse or neglect

Income Protection Insurance for Uber Drivers

In the event that you are unable to continue working as an Uber driver due to injury, illness or pregnancy, income protection insurance can provide a regular income payment. This is not a substitute for superannuation.

Income protection insurance like Coverhero provides benefit payments up to a maximum level specified in your policy. Typically these payments are index linked and do not reduce if you earn additional money from other sources such as investments or part-time employment.

Worker's Compensation Insurance for Uber drivers

You may have heard of worker's compensation insurance or have even bought some for your own business. Worker's compensation insures you against injury at work and can help pay for medical bills and lost wages if you're injured on the job. If your Uber driving is just a sideline to your primary job and it's not incorporated as part of that company, then workers comp insurance won't cover any injuries sustained while driving with Uber.

Here’s what is included in workers' compensation:

  • Medical bills
  • Lost wages due to an injury sustained while working (up to 85% of salary)

What isn’t covered by workers comp:

  • Injuries sustained outside of work (like trips to the pub after work)

You can find the right kind of insurance to keep your business safe.

You can find the right kind of insurance to keep your business safe. As a driver, you should get as much protection as possible. This can be done by taking out an Uber insurance policy that will cover any legal costs and medical fees if you're involved in an accident while driving for the company. This type of policy is also useful for protecting yourself from liability when driving passengers around town.

Insurance is essential for Uber drivers because they don't have any other way to protect their vehicles from damage or theft than by purchasing an insurance policy from a third-party provider like Coverhero. If one of these situations happens on the road, then it's essential to have some kind of coverage so that you aren't left with anything but debt after recovering from injuries sustained during an accident caused by another person's negligence (or even your own).

Key Takeaway:

We have covered a lot of ground in this article, but it’s important not to get overwhelmed by all the details. The main takeaway is that you can find the right kind of insurance for your business, whether you’re still deciding on what career path to take or have been driving for years. Whatever stage your career is at now, there are options out there that will help protect your livelihood from any unfortunate events that might come up in future – so why not check them out?

More awesome reads from Coverhero:

Gig Economy Needs Protection

Insurance for the Gig Economy

Insurance for Rideshare Drivers in Australia

Insuring the Gig Economy in Australia

Patricia Opsima

SEO Specialist
Gig Economy
Gig Work

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