Taxi Insurance
Here at UK Sure, we pride ourselves on ensuring our clients have the most suitable policy. If you’re looking for taxi insurance that provides you with affordable cover, you’re in capable hands!
We have access to a wide panel of specialist insurers, allowing us to offer highly competitive insurance quotes to taxi drivers across the UK.
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We provide cover for private and public hire vehicles at competitive rates. Vehicles used only between 4 am and 10 pm for Hire and Reward can benefit from our unique Day Driver schemes.
Private & Public Hire Insurance
Features & Benefits
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A rated capacity
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£5 million Public Liability cover included as standard
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Legal costs relating to claims
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Driver Assault cover
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Comprehensive claims service – 24/7/365
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Replacement vehicle for non-fault accidents
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Unique ‘Yes Claim Bonus’ benefit
Competitive Taxi Insurance
Suppose you don’t want to pay for your insurance in one payment. In that case, we can provide policies where the premium is spread across the year in equal monthly installments, allowing you to budget your money effectively.
Like any of the services, we specialise in at UK Sure, our private and public hire insurance is tailored to accommodate even the most diverse demands. Instead of searching tirelessly for quotes, why not let us do all of the hard work for you? We ensure that taxis are properly covered and protected should you be involved in an accident.
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What taxi insurance do I need?
If you drive a taxi for a living, you are legally required to have a valid taxi insurance policy. A regular private car insurance policy will not be enough to protect you.
Taxi insurance, however, will protect you, your vehicle, and your customers.
Depending on what type of cab you drive and where you drive it, you will need a specific taxi insurance policy, as outlined below.
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​Private hire taxi insurance (private hire and reward)
Private hire insurance covers taxis that someone must be pre-booked in advance and includes most minicabs, large multipurpose vehicles (MPVs), and taxis as people carriers.
Sometimes called private hire and reward insurance, it will not cover you when picking up customers without booking from places like train stations or taxi ranks.
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PCO insurance
PCO stands for Public Carriage Office and is a division of Transport for London (TfL) that licenses black cabs and minicabs in London. PCO-licensed taxis, therefore, need PCO insurance.
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Public hire taxi insurance
Public-hire taxi insurance covers taxis that customers can hail down on the street or pick up at a taxi rank. These taxis can display a taxi sign.
Only public-hire taxi insurance will cover you when picking up customers without a booking.
Do Uber drivers need taxi insurance?
Private hire insurance is the most suitable cover for drivers working for Uber and others alike.
Uber does not like to define itself as a private hire company, but insurers will see Uber drivers as operating a taxi service and will require them to have appropriate insurance.
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Extras do consider when driving a taxi
Many taxi insurance providers will only offer cover if you:
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Have held a valid driving license for at least 12 months
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Are over a certain age, usually 21, but some specify you must be at least 25 years old
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Have a valid taxi license
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When you apply for taxi insurance, you will need to confirm your operating area. You may not be covered to work outside of this, so read the eligibility criteria carefully first to avoid wasting your application.
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The level of coverage you can get may be restricted by the area in which you work. Some policies only offer comprehensive coverage if registered in certain areas, so check your policy carefully.
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What cover do I need?
Taxi insurance offers the same three levels of protection as standard motor coverage: fully comprehensive, third party, fire and theft, and third party only cover.
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However, there are other cover options specific to taxi insurance you should also consider, including:
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Public liability insurance protects you if a customer suffers personal injury or property damage while in, entering, or leaving your taxi. It will cover any legal or compensation claims that occur as a result. Most taxi insurance policies include this coverage as standard but check the policy carefully, as not all do.
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Personal use cover: If you plan to use your taxi for day-to-day use when you are not working, you will need this in place. If you also want your partner to use the vehicle, check that your local authority allows unregistered drivers to drive licensed taxis, as not all do.
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Unlimited mileage: As a taxi driver, you will drive many miles yearly, so an unlimited mileage policy will ensure you will not be charged for driving too much. Consider the number of miles you drive yearly to determine whether this cover is worth it.
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Breakdown cover: This will provide roadside assistance should your taxi break down when carrying passengers or between drop-offs and pick-ups. Breakdown cover for taxi drivers is almost as essential as taxi insurance.
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Legal cover: Covers the legal costs involved if you claim someone or a claim is made against you following an accident. Legal expenses for taxi drivers are almost as essential as taxi insurance.
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Frequently Asked Questions
Question: What is Taxi Insurance?
Taxi insurance is a specialist policy that provides cover for vehicles used to transport passengers for hire and reward, including public hire (can be hailed) and private hire (pre-booked only) taxis.
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Question: Do I need Taxi Insurance to drive a taxi in the UK?
Yes, standard car insurance does not cover taxi use. You must have specialised taxi insurance to legally operate.
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Question: What's the difference between public and private hire taxi insurance?
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Public hire: Covers taxis that pick up passengers without pre-booking (like black cabs).
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Private hire: For minicabs and app-based drivers (e.g. Uber), only picking up pre-booked passengers.
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Question: What levels of cover are available?
Like regular car insurance, you can choose from:
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Third-Party Only
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Third-Party, Fire & Theft
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Comprehensive
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Question: Can I use my private car insurance for part-time taxi driving?
No, taxi work requires dedicated taxi insurance, even for part-time drivers.​
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Question: Is breakdown cover included in taxi insurance?
Not always. It’s often available as an add-on.
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Question: What affects the cost of taxi insurance?
Factors include:
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Vehicle type and value
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Driver age and experience
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Location
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Claim history
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Annual mileage
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Question: Can I insure multiple drivers on one taxi policy?
Yes, some policies allow named drivers or any driver over a certain age, depending on your needs.
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Do you have a question about taxi insurance?
Submit your question here
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UK Sure Customer Services
How our customers rate us
They saved me.. thanks
Kobina Ampah
2025-06-12
Beatriz Rodrigues
2025-05-27
They are good professionals! Always ready to help! I was the best choice I made! 🙂
RACHEL SHANNON
2025-05-22
Absolutely 10/10 The service received from start to finish has been fantastic despite the complexity of the insurance required. Customer service received was superb in every way (specially Marco who has been super super helpful in securing the policy) at a great price too.