How to Bypass Uber Eats Insurance

You have car insurance, but it is not in your name, or maybe you do not have any insurance at all. Well, you could still be able to bypass Uber Eats insurance. Generally, however, if you want to work with Uber Eats and use your car, motorcycle, or scooter for deliveries, you need a Certificate of Motor Insurance, and it has to specifically cover food delivery or be a “hire and reward” policy that also includes food delivery.

Unfortunately, if you are late in updating your insurance papers on your Uber account, you won’t be able to start working right away. Uber wants you to make sure to keep your insurance up-to-date to avoid any delays. With this post, however, you might be able to get around the insurance and start your Uber Eats deliveries.


Can I Do Uber Eats if My Name Isn’t on Insurance?

If you want to drive for Uber Eats but the car isn’t yours, you need to be named on the car’s insurance. Uber won’t let you drive if your name isn’t on the insurance papers. You can refer to Uber’s vehicle requirement.

How to Bypass Uber Eats Insurance

How to Bypass Uber Eats Insurance


While this guide explains how you can bypass Uber Eats insurance, understand that there is no direct way to do this. Uber does not provide any option that says, “Don’t have insurance yet? Proceed.” Below are some of the bypass methods, or say “tricks”, you might want to consider (but that may not work):

1. Photoshop Your Name on the Policy

This article has been developed based on what some Uber Eats drivers have had to say on popular platforms such as Reddit and Facebook. The first trick most tend to suggest is using Photoshop to add your name to the existing insurance policy.

While this might seem like a quick fix, it is both illegal and unethical. It can lead to the deactivation of your account with Uber Eats and could jeopardize not just your gig with Uber Eats but also your legal standing. Moreover, if you get pulled over for whatever reason, you will get in trouble for not having insurance, or worse, using a fake one.

2. Use a PDF Editor

Another common suggestion you could consider to bypass Uber Eats insurance is to use a PDF editor to alter the insurance document. The goal is to make a fake insurance card for Uber. This method, like the Photoshop suggestion, is fraught with legal and ethical questions. Editing official documents to misrepresent information is illegal, though, and can result in similar consequences as the Photoshop method.


3. Download a Copy with Both Names

Perhaps you should consider a more legitimate suggestion, which involves downloading a copy of the insurance card that includes both drivers’ names and then submitting that. This method assumes that you are already listed on the insurance policy but perhaps not on the card itself. It is a safer route to take if the insurance policy does cover you but does not explicitly state your name on the card.

4. Check if You’re Listed on the Policy

Alternatively, if you are already listed on the insurance policy, you can simply provide that information.

However, they also cautioned that many insurance policies in the U.S. do not cover app-based delivery services. So, even if you are listed, you want to double-check whether your insurance covers this type of work.

5. Check Your State’s Insurance Requirements

Insurance requirements might vary by location. In the experience of some Uber Eats drivers, the insurance card must have your name on it, but the car does not have to be in your name. So, check your local regulations and Uber Eats’ specific requirements for your area before taking any action to bypass Uber Eats insurance.

6. Check Uber’s Coverage

Uber provides additional insurance coverage as long as you maintain your personal insurance. However, this comes with a high deductible of $2500. It is a backup option, but one that could be costly in the event of an accident.

If you would consider playing it safe, then follow these tips rather than try to beat the Uber Eats insurance system.

What to Do if You Don’t Have Insurance for Uber Eats

Instead of cheating the system, consider these options:

  1. Instead of altering documents to bypass Uber Eats insurance requirements, consult with your insurance provider. They may offer a way to temporarily add your name to the existing policy or provide a document that proves you are covered.
  2. If you’re already listed on the insurance policy but your name doesn’t appear on the card, contact Uber Support for guidance. They may accept additional documentation as proof.
  3. If you share the vehicle with someone, consider getting a shared insurance policy that lists both drivers. This way, you can submit a legitimate document to Uber Eats.
  4. Insurance requirements can vary by location. Research your local laws to see if there’s a way to meet Uber Eats’ requirements legally.
  5. Understand the additional insurance that Uber provides. While it may have a high deductible, it could serve as a backup to your personal insurance.
  6. If you’re unsure about the legality of your situation, consult a legal advisor who specializes in employment or contract law. They can guide you through the process and help you understand your options.
  7. Some insurance providers offer plans specifically designed for gig workers, which could meet Uber Eats’ requirements.
  8. If a family member owns the car, see if your insurance company offers a family plan that can cover multiple people under one policy, making it simpler to comply with Uber Eats’ requirements.

Cheap Uber Eats Insurance

There are some affordable Uber Eats insurance companies out there; no need to make a fake insurance card for Uber. You can pick any insurance company you like, but the ones listed below make things really easy for you if you’re an Uber Eats driver. They offer different plans that you can pay for by the hour, month, or year. These companies will send your insurance papers straight to your Uber account for you. So, you don’t have to upload any documents yourself; they handle it all.

Here are the companies that offer this convenience:

  • Zego
  • Inshur
  • Nelson
  • Acorn/Haven

1. Zego

Zego offers the best cheap Uber Eats insurance policies for Uber Eats couriers. They provide different types of insurance plans, such as pay-as-you-go, 30-day, and annual policies. These policies are available for cars, scooters, and motorcycles. The process to get an estimate is quick and can be done in seconds.

Why sign up for Zego?

  • Zego doesn’t charge you extra for changing your details.
  • They offer friendly customer service seven days a week.
  • All your important documents are stored securely in the Zego app.
  • The insurance is built around your needs and how you work.

Get Zego Uber Eats insurance.

2. Inshur’s Uber Eats Insurance in the UK

Considering another cheap Uber Eats insurance policy? That will be Inshur. They offer flexible insurance specifically for Uber Eats drivers in the UK. The insurance covers you for Private Hire, Social, Domestic, Pleasure (SDP), and food delivery. Here’s what you need to know:

You can get an online quote in just a few minutes. All you need is your driver’s license. Moreover, the pricing is competitive and is calculated using a lot of data points. You can choose between a 30-day or an annual policy.

Eligibility Requirements

  • You must be at least 23 years old.
  • You should have held a full UK driving license for at least 24 months.
  • You need to have an Uber driver login.
  • Your vehicle should have up to 8 passenger seats.

3. Nelson

Nelson Insurance is the cheap, special insurance you need as an Uber Eats courier. You will get a special discount this spring. Also, you can get insurance for different durations, like 1, 3, 6, or 12 months.

Why sign up with Nelson?

  • You can choose between Third Party Only or Comprehensive coverage.
  • Nelson offers flexible payment options.
  • All UK postcodes are covered.
  • You don’t need telematics or a camera.
  • They offer public liability cover, a replacement vehicle in case of an accident, and breakdown cover.

Note that Nelson Insurance policies are underwritten by Nelson Insurance Company Ltd. and are not affiliated with Uber. Below are Nelson’s partner brokers:

Get Nelson Uber Eats insurance policy.

4. Acorn/Haven

If you sign up with Acorn/Haven, you will get really cheap Uber Eats insurance. Acorn/Haven Insurance works closely with Uber in the UK and has more than 40 years of experience in providing insurance for private hire drivers. As an Uber driver, you can get a quote for insurance from Acorn in less than 5 minutes.

You do not have to do much. Acorn/Haven takes care of most things for you. You just need to enter your details when asked, and they will handle the insurance for your car. If you have questions, you can call them at 01704 339 400 or Get Acorn/Haven Insurance Quote for Uber Eats.

Note the following…

  • In the future, if you make any changes to your insurance policy, like changing your vehicle or address, Acorn will notify Uber. However, it’s your job to make sure Uber gets all the needed documents.
  • After Acorn sends the updates, Uber will review them. It’s important to note that just because Acorn sends the information doesn’t mean Uber will approve it.

If you have questions about your policy or need help with verification, you can call Acorn’s support team at 01704 338 860.


Now you know that to drive for Uber Eats, you need a Certificate of Motor Insurance that covers food delivery. If your name is not on the insurance for the car you are using, Uber won’t let you drive. So, you need to make sure your name is on the insurance papers.

Some people may have been able to avoid Uber Eats insurance, while others just go for cheap Uber Eats insurance. You do not want to get into big trouble, so getting insurance might be your best bet.

Ultimately, endeavor to talk to your insurance company to see if they can add your name to the policy. You can also check if Uber’s own insurance can work for you, but it has a high cost if something goes wrong. Just make sure you have the right insurance before you start driving for Uber Eats.

Read alsoHow to get around Uber background check

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