Taxi Insurance Built for UK Drivers
Get the right Hire & Reward insurance for private hire, public hire, Uber, minicab and taxi fleet drivers across the UK.
✔ Private Hire - For Uber, Bolt & minicab drivers
✔ Public Hire - For black cabs and street pickups
✔ Cover for saloons, black cabs, E minibusses
✔ Fast online quotes
⏱ Takes 4-5 minutes
Taxi Insurance for Private & Public Hire Drivers
Whether you're an independent taxi driver, operate a private hire vehicle or manage a fleet, having the right taxi insurance is essential to protect your vehicle, passengers and livelihood.
At UK Sure, we work with a panel of specialist insurers to provide competitive taxi insurance for private hire, public hire and PCO-licensed drivers across the UK. We also offer flexible monthly payment options, making it easier to spread the cost of your cover.
If you operate between 4am and 10pm for Hire & Reward purposes, you may also be eligible for our unique Day Driver scheme.
Get in touch with UK Sure today to compare competitive taxi insurance options tailored to your needs.
Taxi Insurance Explained
Legal Requirement – If you carry passengers for payment, standard car insurance is not sufficient. You need Taxi Hire & Reward insurance that matches the type of work you undertake.
Private & Public Hire Cover – Different taxi operations require different insurance. Whether you're a private hire, public hire or PCO-licensed driver, it's important to have the correct level of cover.
Fleet Insurance – If you operate multiple taxis, fleet insurance may be a practical solution, allowing several vehicles to be insured under one policy.
⏱ Takes around 3 minutes
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What Is Taxi Insurance?
Taxi insurance is specialist motor insurance designed for drivers who carry passengers for payment. It provides protection for your vehicle while being used for Hire & Reward purposes and is a legal requirement for professional taxi drivers.
Depending on the type of work you carry out, you may require Private Hire, Public Hire or PCO insurance.
Private Hire Taxi Insurance
Private Hire insurance covers drivers who only carry passengers that have booked their journey in advance. This includes many minicabs, MPVs, Uber and Bolt drivers.
Private Hire insurance does not allow you to pick up passengers from taxi ranks or accept street hails without a booking.
Public Hire Taxi Insurance
Public Hire insurance is designed for taxis that can legally pick up passengers from the street or taxi ranks without a prior booking.
This type of cover is typically required for licensed black cabs and other authorised public hire vehicles.
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Uber & PCO Taxi Insurance
If you drive for Uber or another private hire operator, having the correct Private Hire insurance is essential. Standard car insurance does not cover Hire & Reward use.
Drivers licensed by the Public Carriage Office (PCO), part of Transport for London (TfL), require suitable PCO insurance to operate legally within London.
Insurance for Uber Drivers
Uber drivers are generally required to have Private Hire insurance, as standard car insurance does not cover carrying passengers for Hire & Reward. Choosing the correct policy helps ensure you're insured while working and meeting the requirements for private hire driving.
Who Can Apply?
Taxi insurance may be available for:
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Private hire drivers
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Public hire drivers
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Uber drivers
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PCO-licensed drivers
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Taxi fleet operator
How to Buy Taxi Insurance
Getting suitable taxi insurance is simple with UK Sure, a specialist UK insurance broker authorised and regulated by the FCA. Follow these steps to secure tailored cover quickly and easily:
01 Get a Quick Quote Online
Complete our online quotation form to receive a competitive taxi insurance quote from our panel of specialist insurers.
02 Choose the Right Cover
Select the policy that suits your work, whether you require Private Hire, Public Hire, PCO or Taxi Fleet Insurance.
03 Provide Your Details
You'll need to provide details about yourself, your vehicle, your taxi licence and your operating area.
04 Review and Confirm
Review your quotation carefully and speak with our UK-based team if you need help selecting the most suitable policy.
05 Complete Your Policy
Once your policy is confirmed, your cover begins and you'll receive your policy documents so you can continue working with confidence.
UK Sure makes it easy to compare competitive Taxi Insurance from specialist insurers. Whether you're a private hire driver, Uber driver, public hire operator or manage a fleet, we're here to help you find suitable cover quickly and efficiently.
⏱ Takes around 3 minutes
How Much Does Taxi Insurance Cost?
The cost of Taxi Insurance depends on several factors, including:
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Vehicle type and value
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Private Hire or Public Hire use
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Operating area
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Driving history and experience
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Taxi licence type
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Claims history
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Level of cover selected
UK Sure compares quotes from specialist insurers to help you find competitive Taxi Insurance that suits your needs and budget.
What's Included in Taxi Insurance Cover?
Depending on the policy selected, cover may include:
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Comprehensive, Third Party Fire & Theft or Third Party Only cover
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£5 million Public Liability cover (where included)
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Legal expenses cover
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Driver Assault cover
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Replacement vehicle following a non-fault accident
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24/7 claims service
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Optional Personal Use cover
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Optional Unlimited Mileage
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Optional Breakdown cover
UK Sure Authorised and regulated by the Financial Conduct Authority.
Our FCA Firm reference number is 923039.
Why choose UK Sure for Taxi Insurance?
● Frequently asked questions