Taxi insurance is a legal requirement for anyone driving a taxi for a living. A standard private car insurance policy will not cover you — you need a specialist policy that protects you, your vehicle, and your passengers. Whether you drive a private hire minicab, a licensed black cab, or an Uber vehicle, Vehicle Cover will find the right taxi insurance at a competitive price.
At Vehicle Cover, we have access to a wide panel of specialist taxi insurers, allowing us to offer competitive quotes for private hire and public hire drivers across the UK. Our policies include £5 million public liability cover as standard, a comprehensive 24/7 claims service, driver assault cover, and replacement vehicle for non-fault accidents. We also offer unique Day Driver schemes for vehicles operating between 4am and 10pm only.
We cover all taxi types — private hire minicabs, hackney carriages, black cabs, MPVs, people carriers, and PCO-licensed vehicles. Flexible payment options are available with premiums spread across monthly instalments.
Get a quote online or call us on 01323 416706.
Why Our Taxi Insurance
1. £5 million public liability cover included as standard
2. Comprehensive, TPFT, or third-party only cover
3. 24/7/365 claims service with replacement vehicle
4. Driver assault cover included
5. Day Driver schemes for 4am–10pm operators
6. Flexible monthly payment options
What's NOT Covered
1. Operating without a valid taxi licence
2. Working outside your declared operating area
3. Personal use unless declared on the policy
4. Vehicles used for motor trade or racing
5. Drivers under the minimum age set by the insurer
Key Features of Our Taxi Insurance
Your taxi is your livelihood. Vehicle Cover provides specialist taxi insurance that covers the unique risks of carrying passengers for hire and reward — from public liability to driver assault cover.
£5 Million Public Liability
Every taxi policy includes £5 million public liability cover as standard — protecting you against claims from passengers and members of the public.
Private & Public Hire Covered
From Uber and Bolt drivers to licensed black cabs and hackney carriages — we cover all types of taxi operation across the UK.
Vehicle Cover works with a wide panel of specialist taxi insurers to find competitive quotes. Whether you drive a minicab in London or a hackney carriage in Manchester, our policies are built for the demands of professional taxi driving.
Driver assault cover included
24/7/365 comprehensive claims service
Replacement vehicle for non-fault accidents
Day Driver schemes for reduced premiums
● DETAILS
Additional Taxi Insurance Details
Private and Public Hire Cover
Vehicle Cover provides cover for private and public hire vehicles at competitive rates. Vehicles used only between 4am and 10pm for hire and reward can benefit from the Day Driver scheme.
Policies can include legal costs relating to claims, driver assault cover, a comprehensive 24/7/365 claims service, a replacement vehicle for non-fault accidents, and the unique Yes Claim Bonus benefit.
If you do not want to pay for your insurance in one payment, premiums can be spread across the year in equal monthly instalments to help with budgeting.
A-rated capacity
Legal costs relating to claims
Driver assault cover
Replacement vehicle for non-fault accidents
Unique Yes Claim Bonus benefit
Taxi Insurance Types
Private hire insurance covers taxis that must be pre-booked in advance, including most minicabs, MPVs, and taxis used as people carriers. It does not cover picking up customers without a booking from places such as train stations or taxi ranks.
PCO insurance applies to PCO-licensed taxis. PCO stands for Public Carriage Office, the Transport for London division that licenses black cabs and minicabs in London.
Public hire taxi insurance covers taxis that customers can hail on the street or pick up at a taxi rank. These vehicles can display a taxi sign, and only public hire taxi insurance covers picking up customers without a booking.
Private hire taxi insurance
Public hire taxi insurance
Public Carriage Office (PCO) insurance
Uber and App-Based Drivers
Private hire insurance is the most suitable cover for drivers working for Uber and similar operators. Insurers will usually treat app-based drivers as operating a taxi service, so standard private car insurance is not enough.
Eligibility and Operating Area
Many taxi insurance providers will only offer cover if you have held a valid driving licence for at least 12 months, meet the insurer's minimum age requirement, and hold a valid taxi licence.
When applying, you need to confirm your operating area. You may not be covered to work outside that area, and the level of cover available can depend on where you are registered and where you operate.
You need a valid taxi licence
You usually need at least 12 months' driving licence history
Most policies require drivers to be over 21, with some requiring 25 or over
Some insurers require a clean criminal record
Check your working area before applying
Cover Levels and Optional Extras
Taxi insurance offers the same main protection levels as standard motor cover: fully comprehensive, third party fire and theft, and third party only.
Public liability insurance protects you if a customer suffers personal injury or property damage while in, entering, or leaving your taxi. Most taxi insurance policies include this cover as standard, but the policy should still be checked carefully.
Personal use cover is needed if you plan to use your taxi day to day when you are not working. If you want your partner to use the vehicle, check that your local authority allows unregistered drivers to drive licensed taxis.
Unlimited mileage can matter because taxi drivers often cover many miles each year. Breakdown cover and legal cover are also important options to consider for taxi work.
Public liability cover
Personal use cover
Unlimited mileage
Breakdown cover
Legal expenses cover
● FAQS
Frequently asked questions
1. What types of taxi insurance do you offer?
We offer private hire insurance (minicabs, Uber, Bolt), public hire insurance (hackney carriages, black cabs), PCO insurance for TfL-licensed vehicles, and taxi fleet insurance for operators with two or more vehicles. Call 01323 416706 for a quote.
2. Is public liability included in taxi insurance?
Yes. All our taxi insurance policies include £5 million public liability cover as standard. This protects you if a passenger or member of the public is injured while using your vehicle.
3. Do Uber drivers need taxi insurance?
Yes. Insurers classify Uber, Bolt, and similar app-based drivers as private hire operators. You need private hire insurance — standard car insurance will not cover you. Call 01323 416706 for a competitive private hire quote.
4. What is a Day Driver scheme?
Day Driver schemes offer reduced premiums for taxis operating between 4am and 10pm only. If your vehicle is not used for hire and reward outside these hours, you could save money. Ask our team on 01323 416706.
5. Can I pay for taxi insurance monthly?
Yes. We offer flexible payment options with premiums spread across equal monthly instalments. This helps you budget without paying the full annual premium upfront.
6. What do I need to get a taxi insurance quote?
You will need a valid driving licence held for at least 12 months, a valid taxi licence, details of your vehicle, and your operating area. Most insurers require drivers to be aged 21 or over. Call 01323 416706 to get started.
7. Can I use my private car insurance for part-time taxi driving?
No. Taxi work requires dedicated taxi insurance, even for part-time drivers.
8. Is breakdown cover included in taxi insurance?
Not always. It is often available as an add-on, so check what is included in your policy.
9. What affects the cost of taxi insurance?
Common factors include vehicle type and value, driver age and experience, location, claim history, and annual mileage.
10. Can I insure multiple drivers on one taxi policy?
Yes. Some policies allow named drivers or any-driver options over a certain age, depending on your needs and insurer criteria.
