Looking for a competitive rate?

As a specialist taxi insurance broker, we’ll do all the hard work for you.

Here at UK Sure, we pride ourselves on ensuring that our clients have the most suitable policy. If you’re looking for taxi insurance that provides you with the best cover, for the best price, 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 4am and 10pm for Hire & Reward use can benefit from our unique Day Driver scheme.

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Features & Benefits

• A rated capacity

• £5 million Public Liability cover included as standard

• Legal costs relating to claims

• Driver Assault cover

• Comprehensive claims service – 24/7/365

• Replacement vehicle for non-fault accidents

• Unique ‘Yes Claim Bonus’ benefit

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Competitive Taxi Insurance

If you don’t want to pay for your insurance in one payment, we can provide policies where the premium is spread across the year as equal monthly installments, allowing you to budget your money effectively.

 

Like any of the services, we specialize 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 make sure that taxis are properly covered and protected, should you be involved in an accident.

 

 

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Taxi Insurance

Whether you are a new taxi driver looking for cover, or you’ve got years of experience and are looking for the best policy, here are a few things you need to know about taxi insurance.

 

 

What is Taxi Insurance

Taxi insurance is a specialist vehicle insurance policy designed to cover cars used for commercial hire. If you work as a taxi driver, a regular car insurance policy will not be enough to protect you.

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Taxi insurance, however, will protect you and your vehicle, as well as your customers. It’s necessary whether you drive a black cab, a private hire vehicle, or an Uber.

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Do I need Taxi Insurance?

If you drive a taxi for a living, it is a legal requirement to have a valid taxi insurance policy.

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 provides cover for taxis that must be pre-booked in advance and includes most minicabs and large multipurpose vehicle (MPV) taxis like people carriers. 

Sometimes called private hire and reward insurance, it will not cover you to pick up customers without a 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 provides cover for taxis that can be hailed down by customers on the street or picked up at a taxi rank. These taxis can display a taxi sign. 

Only public hire taxi insurance will cover you to pick up customers without a booking.

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Can I take paying passengers in a normal car insurance?

In short: No. Regular car insurance or van insurance usually becomes invalid if you're carrying a paying customer — so you'll need a commercial private hire policy instead. Uber drivers should also make sure to have public liability insurance, whether through Uber, their vehicle policy, or a standalone cover.

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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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Driving a Taxi

Many taxi insurance providers will only offer cover if you:

• Have held a valid driving license for at least 12 months

• Are over a certain age, usually 21, but some specify you must be at least 25 years old

• 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 save a wasted application.

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The level of cover you can get may be restricted by the area you work in. Some policies only offer fully comprehensive cover if you are 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 cover: 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:

• Public liability insurance: this protects you if a customer suffers a personal injury or property damage while either in, entering, or leaving your taxi. It will cover any legal or compensation claims that occur as a result. Most taxi insurance policies will include this cover as standard but check the policy carefully as not all do

• Personal use cover: you will need this in place if you plan to use your taxi for day-to-day use when you are not working. 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

• Unlimited mileage: as a taxi driver you will drive a large number of miles each year, so an unlimited mileage policy will ensure you will not be charged for driving too much. Look at how many miles you drive on average each year to work out whether this cover is worth it

• Breakdown cover: this will provide roadside assistance should your taxi break down when carrying passengers or between drop-offs and pick-ups

• Legal cover: covers the legal costs involved if you claim someone or a claim is made against you following an accident

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Additionally, you can usually choose between:

1. The policy only cover: the cheapest and most basic form of cover, but the price will increase each time you add another driver to the policy

2. Named driver cover: provides cover for the taxi driver only

3. Any driver cover: provides cover for anyone driving your taxi, providing they are over a certain age (typically 25). This is the most expensive option