Cover for public hire and private hire taxi fleets, from a couple of vehicles to a full operator fleet.
Cover for public hire and private hire taxi fleets, from a couple of vehicles to a full operator fleet.
Public & private hireAll licensing areasDrivers added fast
Compare from 20+ Insurers
Talk to a specialist 0330 808 0730
Taxi fleet insurance covers two or more licensed public hire or private hire vehicles under one policy, but licensing always comes first, since insurers will ask for proof of your taxi or PHV licence before offering cover.
“Driving passengers for hire and reward without the correct taxi insurance is a serious offence, it can mean penalty points, an unlimited fine and vehicle seizure.”
The right taxi fleet cover depends on:
Public hire or private hire licensingApp-based or traditional bookingsHow many vehicles you operateAirport or executive workNamed or any driver optionsHow your fleet is likely to grow
Your licence type shapes the whole policy. Private hire, hackney carriage and executive work are rated differently, so start with the licence your drivers hold.
More ways to find the right taxi fleet cover
More ways to find the right taxi fleet cover
Taxi fleets vary by licence type and how vehicles are shared. These options help you narrow down the right cover.
Taxi fleets vary by licence type and how vehicles are shared. These options help you narrow down the right cover.
App-Based & Platform Drivers
For fleets working with ride-hailing apps and platform operators.
Airport Transfer Fleets
For vehicles specialising in airport and long-distance transfer work.
Executive & Chauffeur
For premium, executive-style private hire and chauffeur services.
Wheelchair Accessible
For fleets operating wheelchair accessible vehicles (WAVs).
Mixed Public & Private Hire
For operators running both hackney carriages and private hire vehicles.
Growing Taxi Fleets
For operators adding vehicles and drivers as their business expands.
Insurers will ask for proof of licensing before offering taxi fleet cover, this normally needs to be in place first.
You’ll typically need:
A local authority or TfL vehicle licenceProof of right to work in the UKA licensed taxi or PHV driver badgeA vehicle meeting local licensing standardsA full UK driving licence, usually held 12+ monthsOperator licensing, if you run a private hire base
Running a fleet on ride-hailing apps?
Fleets working with platform operators often mix employed and self-employed drivers, with vehicles shared across shifts and used on more than one app.
The right cover depends on:
Which platforms your drivers work onTelematics and app tracking dataEmployed and self-employed driversHours worked across platformsVehicles shared across shiftsPublic or private hire licensing
Taxi fleet insurance depends on your licence type, the number of vehicles and drivers, where you operate, whether you do private hire or hackney work, and your drivers’ claims and conviction history.
Public or private hire licensing
Public hire cover is often more expensive, reflecting street-hail risk.
App-based vs traditional bookings
Platform work may carry different risk profiles to traditional bookings.
Number of vehicles and drivers
More vehicles or drivers on the policy can affect the overall cost.
Level of excess
Choosing a higher voluntary excess could reduce your premium.
Employed vs self-employed drivers
Driver arrangements can affect how risk is assessed.
Claims history
Your fleet’s previous claims history can affect the cost of your policy.
Which fleet policy is right for you?
Which fleet policy is right for you?
Every fleet policy shares the basics, one renewal, one point of contact, but the right fit depends on your vehicles and licensing.
Every fleet policy shares the basics, one renewal, one point of contact, but the right fit depends on your vehicles and licensing.
| Fleet Type | Best For | Minimum Vehicles | Common Use |
|---|---|---|---|
Taxi Fleet | Licensed public or private hire vehicles | 2+ | Licensed taxi and private hire work |
Motor Fleet | General mix of cars and vans | 2+ | General business use |
Van Fleet | Several vans | 2+ | Trades and service businesses |
Courier Fleet | Paid delivery work | 2+ | Couriers and delivery firms |
HGV Fleet | Heavy commercial vehicles | 1+ | Haulage and logistics |
Business Fleet | Established, broader fleets | 2+ | Scaling operations |
Mini Fleet | Small fleets, 2-5 vehicles | 2-5 | Small businesses starting out |
How the quote process works
How the quote process works
Simple steps. Expert advice. The right cover for your business.
Simple steps. Expert advice. The right cover for your business.
Tell us about your taxis
Vehicle numbers, and whether you run hackney carriages, private hire or both.
Tell us about your drivers and licensing
Council licences for each driver and vehicle, and your operating area.
We compare taxi fleet insurers
Specialists in public and private hire who understand licensing requirements.
Manage it on one policy
Add vehicles and drivers as your operation grows, on one renewal date.
We're with you all the way
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Taxi fleet insights & guides
Taxi fleet insights & guides
Practical advice on licensing, public vs private hire and managing a taxi fleet.
Practical advice on licensing, public vs private hire and managing a taxi fleet.
Delivery Driver Speeding Statistics
Delivery drivers are an essential component for businesses transporting goods and services. Their role in a company can lead to quicker sales, production, and customer retention, meaning their importance shouldn’t be underestimated.
How Much Do Uber Drivers Make In 2026
Becoming an Uber driver can offer flexibility, allowing you to choose when and where you work. But how much can you realistically earn in 2026? There is no fixed salary for Uber drivers in the UK. Your earnings depend on several factors, including where you work, how many hours you drive, passenger demand and the costs of running your vehicle.
In the Driver’s Seat: Essential Insights into Taxi Insurance for UK Road Users
Starting a career as a taxi driver is an exciting adventure, and with your shiny new taxi badge, you’re ready to hit the road. But before you rev up your engine, this 2-minute taxi guide will walk through the considerations involved with Taxi Insurance.
What Insurance Do I Need As An Uber Driver?
Insurers treat Uber vehicles like private hire taxis, which means you will require Private Hire Vehicle Insurance. Private Hire Vehicle Insurance is a specific form of Hire and Reward cover. Hire and Reward is a class of insurance that allows drivers to carry other people’s goods in return for payment legally.
What Is The Difference Between Private And Public Hire Vehicle Insurance?
The difference lies largely in the difference between public and private vehicles. A public hire vehicle is a taxi that is licensed for use as a hackney carriage, such as a black cab that you can flag down and do not have to pre-book. In contrast, a private hire vehicle is a taxi or Uber that a customer must book in advance.
Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about taxi fleet insurance, licensing and driver options.
Find quick answers to common questions about taxi fleet insurance, licensing and driver options.
Taxi fleet insurance covers two or more licensed public hire or private hire vehicles under one policy, with a single renewal date and one point of contact.
Still have questions?
Our advisers are here to help you find the right solution.
