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Guide to Uber Eats Insurance Requirements

Buckle Team
September 20, 2022

Find out Uber Eats' insurance requirements to see what you need to do as a driver. Learn all about Uber Eats insurance coverage to make sure you're safe on the road. You'll find the best Uber Eats insurance rates and coverage at Buckle.

As an Uber Eats driver, you completely control your schedule. But do you have the same control over your auto insurance? Having proper Uber Eats insurance coverage is an essential part of your responsibilities as a delivery driver.

This article will review Uber Eats' insurance requirements and any potential gaps in coverage. Buckle can help ensure you have the Uber Eats insurance you need to stay protected when driving.

What Is Uber Eats?

Uber Eats is Uber's version of a food delivery service. It encompasses a wide range of establishments in thousands of cities.

What Are the Requirements for an Uber Eats Driver?

Although they may vary by city, the general requirements for an Uber Eats driver are straightforward. If you're wondering, "Does Uber Eats require insurance?", the answer is yes.  

The company expects its drivers to be at least 19 years old, hold a valid driver's license and have personal or commercial auto insurance. Uber Eats insurance requirements don't specify what type of car insurance you need to carry.

Does Uber Eats Provide Insurance?

Yes, it does. While Uber Eats' driver insurance requirements outline the need for a personal or commercial auto insurance policy, the company does provide some Uber Eats insurance coverage for its delivery drivers.

When you're driving to pick up or deliver an order, Uber Eats provides $1 million in coverage for bodily injury per person, bodily injury per accident and property damage per accident.

If you have comprehensive and collision coverage on your personal insurance policy, Uber Eats driver insurance also provides coverage up to the actual cash value of your vehicle, with a $2,500 deductible.  

When you're on-app but waiting to accept a delivery request, Uber Eats provides the following coverage:  

  • $50,000 in bodily injury per person
  • $100,000 in bodily injury per accident
  • $25,000 in property damage per accident

While Uber Eats driver insurance provides liability coverage, it will not pay for your medical expenses if you're injured. Uber Eats vehicle insurance also provides no coverage when you're off-app, unlike Buckle insurance, which covers you whether you're driving for personal or delivery reasons.

Do I Need Extra Insurance for Uber Eats?

You may want to consider extra Uber Eats driver insurance. Your personal car insurance coverage doesn't extend to driving for commercial purposes. If you don't inform your personal insurer that you deliver for a company like Uber Eats, they may cancel your policy once they find out. Commercial insurance coverage is expensive, and having two policies can be confusing.

But Buckle can help. You don't need to have two car insurance policies. We offer the coverage you need in one simple policy, whether you're driving for Uber Eats or running personal errands. You can count on us for a fair, accurate quote based on your driving record — not your credit score. Buckle provides reasonable rates and deductibles as low as $500. With our no-nonsense approach to Uber Eats insurance, you can have peace of mind when driving on- and off-app.

Get a Buckle Quote for Uber Eats Driver Insurance Today

Now that you understand Uber Eats insurance requirements, you're ready for the next step: a quick, confidential quote for Uber Eats driver insurance from Buckle. We offer convenience and affordable rates all in one neat package. Customers report saving as much as $50 to $200* on Buckle premiums. A quote takes just five minutes, and you'll instantly see the difference Buckle insurance can make in your own premiums.  

*Actual savings reported by Buckle customer. Savings are not typical. Your savings if any will likely be less.

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