Hire and reward cover for licensed taxi and private hire drivers, from a single minicab to a full taxi fleet.
Hire and reward cover for licensed taxi and private hire drivers, from a single minicab to a full taxi fleet.
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Private & public hirePersonal use includedCompare every insurer
New badge holders
Speak to a specialist 0330 808 1331
Cover for every type of taxi work
Cover for every type of taxi work
Your licence decides your cover. Choose the one that matches how you work.
Your licence decides your cover. Choose the one that matches how you work.
Private Hire Insurance
For pre-booked work through a licensed operator, including minicabs and PHVs.
Public Hire & Hackney
For licensed hackney carriages that can ply for hire and use taxi ranks.
Uber & App Drivers
For drivers working through Uber, Bolt and other booking apps.
Chauffeur & Executive
For executive hire, airport transfers and wedding or corporate work.
Taxi Fleet Insurance
For operators running several taxis and drivers on one policy.
Taxi Public Liability
Liability cover for claims from passengers and the public while you work.
Which taxi policy is right for you?
Which taxi policy is right for you?
Your licence type decides the cover you need. This comparison shows how each type of taxi work is insured.
Your licence type decides the cover you need. This comparison shows how each type of taxi work is insured.
| Type of work | Best for | Licence needed | Common use | Pre-booked | Ply for hire | Multiple drivers | Fleet policy |
|---|---|---|---|---|---|---|---|
| Private Hire | Pre-booked passenger work | PHV licence | Minicabs and app work |  |  | | |
| Public Hire | Ranks, flag downs and pre-booked | Hackney licence | Black cabs and local taxis | | | | |
| Uber & Apps | Booking app work | PHV licence | Uber, Bolt and similar | | | | |
| Chauffeur | Executive and airport work | PHV licence | Corporate and weddings | | | | |
| Taxi Fleet | Several vehicles and drivers | Operator licence | Firms running taxis | | | | |
Still unsure which taxi cover you need?
Speak to an AdviserChoose cover based on how you work
Choose cover based on how you work
I take pre-booked jobs only
I pick up from ranks and the street
I drive for Uber or Bolt
I do executive or airport work
I run several taxis
I’m new to taxi driving
Taxi insurance is motor cover for licensed drivers who carry fare-paying passengers. It includes hire and reward use, which a normal car policy excludes, and is rated differently depending on whether you hold a private hire or public hire licence.
A taxi policy can usually include:
Hire and reward useThird-party liabilityPassenger liabilityFire and theftWindscreen coverBreakdown and recoveryPrivate hire and public hire are insured differently, so your policy needs to match the licence you hold and the work you take.
Taxi insurance has no fixed price. It depends on your licence type, how long you’ve held your badge, where you drive, your mileage, the vehicle you use and your claims and convictions history.
Licence type
Public hire work is usually rated higher than pre-booked private hire.
Your experience
Time held on a taxi badge, and any previous taxi insurance history, matter more than age alone.
Where you work
City centre and airport work is rated differently to rural or small-town driving.
Your vehicle
Value, engine size and whether it’s wheelchair accessible all affect the price.
Mileage
Insurers rate on the miles you cover each year.
Claims and convictions
Accidents, points and convictions all push taxi premiums up.
How to get taxi insurance
How to get taxi insurance
Tell us your licence type, vehicle and experience, and we’ll compare specialist taxi insurers.
Tell us your licence type, vehicle and experience, and we’ll compare specialist taxi insurers.
Tell us about your licence
Private hire or hackney, which council issued it and how long you’ve held it.
Share your vehicle and driving
The car you drive, your mileage, area and any convictions or claims.
We compare specialist insurers
We search taxi insurers you won’t find on comparison sites.
Get covered and earning
Choose your policy and receive the certificate your council needs.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by taxi and private hire drivers across the UK
Trusted by taxi and private hire drivers across the UK
From new badge holders to taxi fleet operators, our customers trust Insurance Revolution to find the right cover and expert support.
From new badge holders to taxi fleet operators, our customers trust Insurance Revolution to find the right cover and expert support.
Taxi insurance guides
Taxi insurance guides
Practical advice for licensed drivers on cover, cost and licensing.
Practical advice for licensed drivers on cover, cost and licensing.
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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.
Taxi insurance FAQs
Taxi insurance FAQs
Straight answers on cover, cost, licences and what taxi insurance includes.
Straight answers on cover, cost, licences and what taxi insurance includes.
You need a taxi or private hire policy that includes hire and reward use, because standard car insurance excludes carrying fare-paying passengers. Your council will also want to see the certificate before licensing your vehicle.
Still not sure which cover you need?
Our taxi specialists can match cover to your licence and the work you do.
