If you're a private hire or taxi driver in the UK, having the correct insurance is a must. To stay on the road legally and protect yourself, your vehicle, and your passengers, you need taxi insurance.
With so many providers offering different levels of coverage, finding the best taxi insurance company can be overwhelming.
In this guide, we'll explore what taxi insurance is, why you need it, what it covers, and how to choose the best provider for your needs.
Taxi insurance is a specialist type of cover designed for drivers who carry passengers for hire and reward. Unlike standard car insurance, which doesn’t allow you to use your vehicle for paid journeys, taxi insurance is a legal requirement if you're working as a private hire or public hire driver in the UK.
Without the right policy in place, you could face serious consequences, including fines, license suspension, or even being unable to work. Beyond legal requirements, taxi insurance also provides financial protection in case of accidents, theft, or damage to your vehicle.
Taxi insurance policies vary depending on the provider and the level of cover you choose.
INSHUR offers three main types of policies:
✅ Third Party Only (TPO) – Covers damage to other vehicles, property, and people but does not protect your own vehicle.
✅ Comprehensive – Includes third-party cover plus repairs to your own vehicle if you’re involved in an incident, regardless of fault.
✅ Comprehensive Plus – Offers additional benefits, such as public liability cover, legal expenses, and replacement vehicles (subject to availability).
All INSHUR policies include cover for personal use (Social, Domestic & Pleasure), plus coverage for fast food delivery.
Several taxi insurance providers exist in the UK, each offering different benefits. Let’s take a look:
Why INSHUR Could Be the Best Choice for Taxi Insurance
Choosing the best taxi insurance provider depends on your needs, but INSHUR stands out for its simplicity, flexibility, and driver-first approach. Unlike traditional brokers that require long phone calls and paperwork, INSHUR offers an easy, 100% online process.
🔹 Fast and Hassle-Free Quotes – Get a quote and buy your policy in minutes, with no need to speak to an agent.
🔹 Flexible Policy Options – Choose between 30-day and annual policies, giving you the freedom to adapt your coverage as needed.
🔹 Protection On and Off the Job – Every policy includes Social, Domestic & Pleasure cover, so you're insured even when not working.
🔹Additonal security - Comprehensive Plus policies include public liability insurance and motor legal expenses cover
With a focus on online convenience, competitive pricing, and customer-friendly policies, INSHUR makes taxi insurance more accessible for private hire taxi drivers across the UK.
If you're looking for a taxi insurance provider that prioritises flexibility, transparency, and ease of use, it’s worth considering INSHUR as your next step.
Finding the best private hire taxi insurance provider depends on your priorities - whether it's peace of mind, flexibility, or the ease of managing your policy. By understanding what taxi insurance covers and comparing different options, you can choose the right policy that keeps you protected while you work.
When choosing your provider, consider the convenience, coverage, and added benefits that could make a real difference in your day-to-day driving experience.
Would you like to get covered online in minutes? Click Start My Quote and see how INSHUR can keep you on the road.