Hire and reward cover for licensed private hire drivers, minicabs, PHVs and app work, pre-booked through a licensed operator.
Hire and reward cover for licensed private hire drivers, minicabs, PHVs and app work, pre-booked through a licensed operator.
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PHV badge holdersPersonal use includedPHV & Minicab Specialists
Uber & Bolt work
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How can we help?
How can we help?
I’m a licensed PHV driver
Cover for pre-booked work through a licensed operator.
I drive for an app
Uber, Bolt and similar work still needs a private hire policy.
I’m new to private hire
Just got your badge? We work with insurers who quote new drivers.
What does private hire insurance need to include?
What does private hire insurance need to include?
Hire and reward is the part that makes private hire work legal. The other covers depend on your licence conditions and the work you take.
Hire and reward is the part that makes private hire work legal. The other covers depend on your licence conditions and the work you take.
| Type of cover | Legally required? | Why PHV drivers need it |
|---|---|---|
Hire and reward | Yes | Carrying fare-paying passengers isn’t covered by a normal car policy |
Third-party liability | Yes | The legal minimum for driving on UK roads |
Passenger liability | Yes | Covers injury to the passengers you carry |
Public liability | No | Claims from passengers outside the vehicle, such as help with luggage |
Breakdown and recovery | No | Keeps you earning if the car is off the road |
Windscreen cover | No | High mileage makes chips and cracks common |
Top Tip
Your council or TfL will ask for a certificate showing hire and reward use before they license your vehicle, so arrange cover before your licensing appointment.
Private hire cover for every stage
Private hire cover for every stage
Insurers rate private hire drivers mainly on badge history and mileage, so the right policy changes as you move from new driver to full-time.
Insurers rate private hire drivers mainly on badge history and mileage, so the right policy changes as you move from new driver to full-time.
New badge holders
No taxi insurance history yet
Full-time drivers
Your main income from the road
Multiple vehicles
Running more than one PHV
Private hire insurance has no fixed price. It depends on how long you’ve held your badge, where you drive, the vehicle you use, your mileage and your claims and convictions history.
Your badge history
How long you’ve held your private hire licence, and any previous taxi policies.
Where you work
City centre, airport and late-night work is rated higher than rural driving.
Your vehicle
Value, engine size and whether it’s a saloon, MPV or wheelchair accessible.
Mileage
Insurers rate on the miles you cover each year.
Claims and convictions
Accidents, points and convictions all push private hire premiums up.
What could go wrong on a private hire job?
What could go wrong on a private hire job?
The claims private hire drivers make most often involve passenger injury, collisions during a shift, damage while the car is parked overnight, and time off the road afterwards.
The claims private hire drivers make most often involve passenger injury, collisions during a shift, damage while the car is parked overnight, and time off the road afterwards.
Start with hire and reward, then add the cover that suits the work you take on.
Start with hire and reward, then add the cover that suits the work you take on.
Hire & Reward Cover
The core cover that lets you carry fare-paying passengers legally.
Passenger Liability
Covers injury claims from the passengers you carry.
Public Liability
Covers claims from outside the vehicle, such as luggage or a slip at the kerb.
Breakdown & Recovery
Keeps you earning if the car is off the road, with onward travel options.
Replacement Vehicle
A like-for-like taxi while yours is repaired after a claim.
Legal Expenses
Help with legal costs and recovering losses that aren’t insured. Included as standard on our private hire policies.
We compare specialist taxi insurers for private hire drivers, from first-year badge holders to full-time app drivers.
Why PHV drivers choose us:
Specialist private hire insurersCover for new badge holdersExperienced UK-based advisersApp and operator work coveredHelp with claims and convictionsCertificates for licensingHow to get private hire insurance
How to get private hire insurance
Tell us about your badge, your car and the work you do, and we’ll compare specialist insurers.
Tell us about your badge, your car and the work you do, and we’ll compare specialist insurers.
Tell us about your licence
Which council or TfL licensed you, and how long you’ve held your badge.
Share your vehicle and mileage
The car you drive, your mileage and your area.
We compare specialist insurers
We search private hire insurers you won’t find on comparison sites.
Get covered and earning
Choose your policy and receive the certificate your licensing team needs.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of drivers across the UK
Trusted by thousands of drivers across the UK
From new badge holders to full-time app drivers, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
From new badge holders to full-time app drivers, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
Private hire guides
Private hire guides
Practical advice for PHV and minicab drivers on cover, cost and licensing.
Practical advice for PHV and minicab 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.
Private hire insurance FAQs
Private hire insurance FAQs
Straight answers on PHV cover, cost, licensing and app work.
Straight answers on PHV cover, cost, licensing and app work.
Private hire insurance is motor cover for licensed PHV drivers carrying pre-booked, fare-paying passengers. It includes hire and reward use, which a normal car policy excludes, and is usually rated lower than public hire because you can’t pick up off the street.
Still not sure what cover you need?
Our taxi specialists can match cover to your badge and the way you drive.
