Shared and double-shifted cars
Any driver taxi insurance for shared cars
Any driver taxi insurance lets more than one licensed driver work the same taxi. It suits cabs run on day and night shifts, family-run taxis and owners who rent out a car.
- Online form
- Free to use
- No obligation
Day and night shiftsInsuring a taxi with more than one driver
Any driver taxi insurance covers a licensed taxi or private hire vehicle for any licensed driver who meets the policy's conditions, usually a minimum age and licence history. Named driver cover lists each driver by name instead.
Either way, every driver needs their own taxi or private hire driver licence. The insurance covers the vehicle; the badge covers the person.
Shared vehicles in context
Sources: Department for Transport (13 August 2026). Full list at the bottom of this page.
Named driver or any driver?
Named driver
Each driver is listed on the policy. Insurers rate each person's age, record and experience. It suits a cab shared by two regular drivers, or a husband and wife who both hold badges.
Any driver
Any licensed driver who meets the policy's conditions can drive. It suits owners who rent out a cab, or firms where drivers change often. Conditions usually include a minimum age, years licensed and a limit on convictions.
There are more driver licences than vehicles in England: 417,300 driver licences for 342,300 licensed vehicles in 2026[1]. Sharing a vehicle is common, which is why both kinds of cover exist.
Double-shifting a cab
Many hackney carriages, especially black cabs, work day and night with two drivers. Each shift brings different risks, and the policy needs to cover both drivers for public hire and any pre-booked work. Insurers often ask who drives which shift and whether the cab is parked at a home address between shifts.
Renting out a taxi
Owners who rent a licensed car to other drivers usually need any driver cover, or a taxi fleet policy if they own several vehicles. Apps check this: Uber asks for a hire agreement or permission letter where a policy covers drivers with the policyholder's permission[2], and a fleet letter for fleet policies.
What insurers look at
What affects the price of any driver taxi insurance
Every insurer weighs these differently, which is why quotes for the same driver and car can vary.
- Number of driversTwo named drivers or open any driver cover.
- Minimum ageThe youngest driver allowed sets much of the price.
- Driver recordsClaims and convictions for each driver.
- ShiftsDay, night or round-the-clock use.
- VehiclePurpose-built cab, saloon or MPV.
- Rental useWhether drivers pay to rent the car.
FAQs
Any driver taxi insurance questions
What is any driver taxi insurance?
It is taxi insurance that covers any licensed driver who meets the policy's conditions, rather than listing each driver by name.
Is named driver or any driver cover better for a shared cab?
It depends on how many drivers use the car and how often they change. Two regular drivers often suit named driver cover; changing drivers suit any driver cover.
Does every driver need a taxi licence?
Yes. Each driver needs their own taxi or private hire driver licence, whatever the insurance says.
Can I rent my taxi to another driver?
Yes, with the right cover. Apps may ask for a hire agreement or permission letter alongside the certificate.
Can I get any driver taxi insurance online?
Yes. Note how many people will drive the vehicle, their ages and licence histories, and how shifts are shared. Brokers found through MyMoneyComparison.com can then quote for named or open driving.
Sources
Figures on this page come from the sources below. Each was checked on 11 November 2026; figures may change when a source is updated.
- Department for Transport, Taxi and private hire vehicle statistics, England: 2026, published 13 August 2026.
- Uber, Uploading your documents, accessed 11 November 2026.
Ready for a shared taxi quote?
One online 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.