Yes - that thing the human drivers of Uber don't have when they are working as Uber taxi drivers.
That's not strictly true, since Uber insures them while they have a fare. The only time they aren't covered is while they are on their way to pick up a fare.
Which is part of the problem. Away from Planet Uber, if your journey is undertaken for work purposes (which going to meet a customer clearly is) you are "at work", and should be covered by work-related insurance. That's why regular taxi drivers have to have commercial insurance; private car insurance doesn't cover operating as a driver-for-hire.
The fun part is that, despite the all the penny-pinching (and the hype), Uber is hemorrhaging money.