Taxi insurance quotes online
Taxi insurance for every badge, every car, every fare
Public hire, private hire, Uber and other app work, chauffeurs, minibus taxis and fleets. Start one online quote and get put in touch with specialist brokers who arrange cover for UK taxi drivers.
- Owner-drivers and fleets
- New and experienced drivers
- Council and TfL licensed work
Cover for carrying fare-paying passengersWhat kind of taxi work do you do?
Pick the closest match to see what cover usually involves.
Taxi insurance in brief
Taxi insurance is a motor policy that covers a car, MPV or minibus while it carries fare-paying passengers. Insurers call this hire and reward use for passengers. A standard car policy, even one with business use, does not cover it, so licensed taxi and private hire drivers need a policy written for the work they do.
The policy has to match the licence. Public hire cover is for taxis that can be hailed or work from a rank. Private hire cover is for pre-booked journeys, including app work. Insurers then look at the vehicle, the driver, where the car is kept and the hours it works.
Cover by taxi type
Taxi cover built around the car you drive and the work it does
A black cab on a city rank, a private hire saloon on airport runs and an eight-seat minibus on a school contract each carry a different risk. Choose the closest match to see what insurers look at.
Rank and hailPublic hire taxi insurance
Hackney carriages that pick up from ranks and street hails, priced around the area the council licence covers.
Public hire cover →
Pre-bookedPrivate hire taxi insurance
Saloons, estates and MPVs on pre-booked work through a licensed operator, by phone or by app.
Private hire cover →
App workUber and app driver insurance
Private hire cover that the ride-hailing apps accept, for drivers working one app or several.
App driver cover →
ExecutiveChauffeur insurance
Executive and prestige cars for corporate accounts, airport runs, weddings and events.
Chauffeur cover →
GroupsMinibus taxi insurance
Licensed vehicles with up to eight passenger seats for groups, airport transfers and school contracts.
Minibus taxi cover →
AccessibleWheelchair accessible taxis
Purpose-built and converted taxis with ramps, lifts and restraints that need declaring to the insurer.
Accessible taxi cover →
EV and hybridElectric and hybrid taxis
Zero-emission and hybrid taxis, where batteries, charging cables and repair times are worth checking.
Electric taxi cover →
Two or more carsTaxi fleet insurance
Several taxis or private hire cars on one policy, with named or any driver options and one renewal.
Taxi fleet cover →Public hire or private hire
Your licence decides which taxi policy fits
Councils, and TfL in London, license public hire and private hire separately, and insurers follow the same split. Telling the broker exactly which licence you hold, and whether you do both kinds of work, helps avoid a policy that does not match the job.
Public hire (hackney carriage)
Can be flagged down or work from a rank
- Picks up from ranks and street hails, as well as bookings
- Works within the area the council licence covers
- Fares usually set by the council and shown on a meter
- More passengers who are strangers to the driver, often late at night
Private hire (minicab and app work)
Every journey booked in advance
- Every job pre-booked through a licensed operator, including apps
- Cannot pick up from a rank or be hailed in the street
- Fares set by the operator rather than by the council
- Includes airport, contract and executive work
Hire and reward
Why an ordinary car policy stops when the first fare gets in
Every car policy lists what the car may be used for. Carrying passengers for payment sits in a class of its own, so a car insured for commuting or business can be uninsured the moment it starts taking fares.
- NoSocial, domestic and pleasure
Personal trips only. No paid passengers.
- NoCommuting and business use
Driving to work or to meetings. Still excludes taking fares.
- NoSocial car sharing
Splitting fuel costs with friends is not the same as running a taxi.
- YesPublic hire or private hire use
Covers carrying fare-paying passengers, matched to the licence you hold.
Your badge and your certificate should tell the same story
The council or TfL licence says what work you are allowed to do. The certificate of motor insurance says what work you are covered for. If the two do not match, an insurer may refuse a claim and the licensing office may not accept the certificate.
When you change car, add an app, take on contract work or move area, it is worth telling the broker before the first job, not at renewal.
App drivers
Driving through Uber, Bolt or FREENOW?
The apps do not insure your car for you. Each one checks your private hire licence and your insurance certificate before you can go online, and rechecks when the policy renews.
What the apps look for on a certificate. Cover for private hire or for carrying passengers for hire and reward, the policyholder's name matching the driving licence, and the registration matching the logbook. Some apps do not accept a public hire only policy. Drivers on a fleet policy may need a permission letter from the fleet.
Cover My Taxi is independent and is not affiliated with, or endorsed by, any app or operator named on this site.
Cover by driver and work
Taxi insurance shaped around you as well as the car
Insurers rate the person behind the wheel as closely as the vehicle. A driver in their first month with a badge is a different risk from someone with years of claim-free taxi work.
Levels of cover
Choosing a level of taxi cover
Taxi policies come in the same three levels as car insurance. What changes is how much of your own car is protected, which matters when the car is how you earn.
- Third party only: covers injury to other people, including passengers, and damage to their property. Your own taxi is not covered.
- Third party, fire and theft: adds cover if your taxi is stolen or damaged by fire.
- Comprehensive: also covers damage to your own taxi, even when an accident was your fault.
Extras taxi drivers often ask about
- Replacement licensed vehicle. A standard courtesy car is not licensed for fares, so a plated replacement is often a separate option.
- Loss of earnings. Some policies pay a daily amount while the taxi is off the road after a claim.
- Breakdown and recovery. Help at the roadside, including recovery with passengers on board.
- Legal expenses. Help recovering uninsured losses after an accident that was not your fault.
- Windscreen and glass. Repairs that keep the car working, often without affecting the no claims bonus.
Extras and limits vary between policies. They are worth asking the broker about before you buy.
Beyond the taxi policy
Cover that often sits alongside taxi insurance
The motor policy covers the driving. These protect you when something happens outside the car, and the business behind it.
How online quotes work
One online form, specialist taxi brokers
Cover My Taxi is an information site, not an insurer or a broker. We link you to MyMoneyComparison.com, a comparison service that gives taxi drivers a gateway to brokers who arrange taxi insurance every day.
Start your online quote
Get my taxi quote takes you to MyMoneyComparison.com.
Tell them about the taxi
The form asks about your licence, the car, the work you do and who drives, so you can be matched with a specialist taxi broker.
Compare and decide
A broker contacts you with options, subject to insurers' acceptance criteria. There is no obligation to buy.
- Your driving licence and taxi or private hire badge details
- The vehicle registration and any plate or licence number
- Your taxi no claims bonus, if you have one
- Any claims or convictions in recent years
- Where the car is kept overnight
- The apps, operators or contracts you work for
Before you buy
Questions worth asking about any taxi policy
Two online taxi quotes at a similar price can cover very different things. These are the points that often catch drivers out.
- Does the policy match my licence?Public hire, private hire or both. The certificate needs to cover the work your badge allows.
- Who is allowed to drive the car?Named drivers, any driver and minimum ages vary, which matters for double-shifted cars.
- Is a licensed replacement car included?Without one, an accident can mean days off the road and lost fares.
- What is the excess?Excesses can differ by driver age, the type of claim and whether the car was parked or working.
- Where is the taxi kept overnight?A locked garage, a driveway or the street can change price and acceptance.
- Do dashcams or telematics count?Some insurers take them into account, and some taxi policies ask for them.
- Are adaptations declared?Ramps, swivel seats, signage, meters and partitions usually need to be disclosed.
- Can I work outside my licensing area?Pre-booked journeys out of area are common. It is worth checking the policy allows them.
FAQs
Taxi insurance questions
Can I get taxi insurance quotes online?
Yes. Start the online form through Cover My Taxi and continue to MyMoneyComparison.com, which can match you with specialist taxi brokers. A broker then contacts you with options, subject to insurers' acceptance criteria.
Do I need taxi insurance to drive for Uber?
Yes. App drivers need private hire insurance in their own name, or a place on a fleet policy, before the app lets them take trips. Standard car insurance with business use does not cover carrying fare-paying passengers.
What is the difference between public hire and private hire insurance?
Public hire insurance covers taxis that can be hailed in the street or wait at a rank. Private hire insurance covers journeys booked in advance through an operator or an app. Some public hire policies also allow pre-booked work, but a private hire policy does not cover rank or street pick-ups.
Can I get taxi insurance as a new driver?
Yes, some insurers accept newly licensed taxi drivers with no taxi claims history, usually with more questions about their driving record and the work the car will do. Some insurers take a private car no claims bonus into account.
Can two drivers share one taxi?
Yes. A car worked on day and night shifts can be covered with named drivers or any driver cover, usually with minimum age and licence conditions for each driver.
Does taxi insurance cover my passengers?
Every taxi policy covers injury to passengers caused by the driving. Injury that happens outside the car, such as while helping with luggage, is usually covered by public liability insurance instead.
Does Cover My Taxi sell insurance?
No. CoverMyTaxi is a trading style of Mymoneycomparison.com Ltd and an information site, not an insurer or a broker. When you start a quote you continue to MyMoneyComparison.com, a comparison service that gives drivers a gateway to specialist taxi brokers.
Ready for your online taxi quote?
One form, specialist taxi brokers, no obligation.
CoverMyTaxi is a trading style of Mymoneycomparison.com Ltd. It is an information website and is not an insurer or an insurance broker. Quotes are provided through MyMoneyComparison.com and the brokers it works with, subject to insurers' acceptance criteria.