So you want to be a private hire taxi driver? Then you’ll need the right insurance for the job.
Not having the right policy coverage can result in large fines for you, and potentially losing your private hire license in the event of an incident.
But what is taxi insurance? And what does it cover? In this guide, we’ll break down the answers, and discover how INSHUR makes it easier for private hire taxi drivers to stay protected.
What Is Private Hire Taxi Insurance?
Private hire taxi insurance is a type of cover designed for drivers who transport passengers through pre-booked jobs, such as those working with ride-hailing apps, or local private hire firms. Unlike standard car insurance, it covers "hire and reward" which means you’re legally allowed to carry paying passengers.
Without private hire insurance, you could face fines, penalty points, or even lose your taxi license. More importantly, it ensures that if something happens on the road, you’re covered for damages, repairs, and legal expenses.
What Does Private Hire Taxi Insurance Cover?
The level of protection you get depends on the policy you choose. INSHUR offers three types of private hire insurance, so you can select the coverage that best suits your needs.
1. Third Party Only (TPO)
This is the minimum level of insurance required by law. It covers:
✅ Damage to other vehicles and property
✅ Injuries to third parties (passengers, pedestrians, other drivers)
However, it does not cover damage to your vehicle, so you’d need to pay for repairs out of pocket if you’re at fault in an incident.
2. Comprehensive
A more protective option, comprehensive cover includes everything in Third Party Only, plus:
✅ Repairs to your own vehicle after an accident (even if you’re at fault)
✅ Cover for accidental damage, fire, and theft
This is a popular choice for private hire drivers who want extra peace of mind.
3. Comprehensive Plus
For drivers who want the highest level of protection, Comprehensive Plus includes all the benefits of a standard comprehensive policy, plus:
✅ Public Liability Insurance – Protects you in case of legal claims from passengers or third parties.
✅ PCV Replacement Vehicle (Where Available) – Keeps you on the road if your taxi is damaged in an accident.
✅ Motor Legal Expenses – Helps with legal costs if you need to make or defend a claim.
✅ Third-Party Fire & Theft Cover – Additional protection if your vehicle is stolen or damaged by fire.
This policy is ideal for drivers who rely on their taxis for their livelihood and want a policy that includes everything they need to stay covered and working.
Social, Domestic & Pleasure (SDP) cover is included as standard across all policies, so you’re protected even when driving for personal use.
What Else Affects Your Taxi Insurance Cover?
When choosing a policy, it’s important to check for additional factors that may affect your cover, such as:
🚖 Policy Duration – INSHUR offers both 30-day and annual policies, giving drivers flexibility to choose what works best for them.
🚖 Claims History – A clean claims record can help keep your renewal price lower.
🚖 Driver Score – INSHUR rewards good Uber scores with better renewal prices, so good habits behind the wheel could help you save.
🚖 Extra Coverage Options – Fast food delivery insurance is included as standard, helping you earn more.
Why Choose INSHUR for Private Hire Taxi Insurance?
At INSHUR, we understand that private hire drivers need online insurance without the hassle of paperwork or long phone calls. That’s why we offer:
✅ A Fully Online Experience – Get a quote, buy, and manage your policy online in minutes.
✅ Uber-Preferred Insurance – Trusted by Uber drivers for simple, straightforward coverage.
✅ Flexible Policy Options – Choose from 30-day or annual policies depending on your needs.
When choosing taxi insurance, it’s not just about price - it’s about having the right cover to keep you protected while you work.
Final Thoughts
Taxi insurance is a legal must-have for private hire taxi drivers, but understanding exactly what’s covered can help you choose the right policy for your needs. Whether you’re looking for third-party cover or a fully comprehensive plan with extra benefits, INSHUR makes it easy to find a policy that works for you.
Ready to get covered?
