In message , at 11:18:38 on Sun, 2 Apr 2017,
tim... remarked:
I'm not sure if the rules for Uber Lux are different, but my
understanding is that Uber drivers use their own vehicles.

FSVO

The point about Uber's model is that they don't own them

but that doesn't mean that the driver does either - he could be
"borrowing" it

See "and thus a lack of insurance".

Can you not get private hire add-on insurance for a car that you do not own?

You might be able to, if you declare the vehicle.

Surely the assessable additional part of the risk here sits with the driver.

The vehicle will make a difference too. A minibus, versus a Toyota
versus a Jag.
--
Roland Perry