INSHUR tailored minicab insurance gets you on the road quickly and legally, all while rewarding your professional driving. We’re digital-first, designed to reduce admin and maximize your earnings.
Quote, buy, and manage your policy 24/7. No hassle, and zero paperwork.
Choose the perfect fit: 30-day short-term taxi insurance or save with our annual policy options.
Earn renewal discounts based on your proven performance as a driver.
Every policy meets the mandatory PCO and Local Authority licensing requirements.
Social, Domestic & Pleasure (SD&P) use is included as standard.
If you're a private hire driver in the UK, having taxi insurance is a legal requirement. This specialised cover ensures that you and your vehicle are protected while using it for work.
Unlike standard car insurance, taxi insurance is designed specifically for private hire drivers to safeguard you, your passengers, and your livelihood. With private hire taxi insurance, you’re protected against the unexpected - so you can keep driving with peace of mind.
.png)
We offer four cover levels from Third Party only to Comprehensive Plus insurance. All of our policies offer:
With a Comprehensive Plus policy, you also get:
Compare our cover options here.
This cover is designed for UK private hire drivers who need fast, reliable cover. It's ideal for:
As a private hire driver or minicab operator, you need taxi insurance that works as hard as you do. Forget endless paperwork and slow processes. We offer online taxi insurance quotes in minutes, so you can get covered and on the road without delay. From short term taxi insurance to fully comprehensive annual policies, we're built for your flexibility.
Our private hire taxi insurance offers the same core protections as a personal insurance policy but with added coverage for private hire driving. Every policy includes Social, Domestic & Pleasure (SDP) use as standard, so you're covered on and off the job.
|
Third Party |
Third Party, Fire and Theft |
Comprehensive |
Comprehensive Plus |
|
|
Social, domestic, and pleasure (SD&P)
|
|
|
|
|
|
Fast food cover
Main occupation must still be private hire |
|
|
|
|
|
Fire and theft
|
|
Fire and theft (including attempted theft) only |
|
|
|
Accidental or malicious damage to your vehicle
including flood damage |
|
|
|
|
|
Windscreen cover
£750 excess for non-approved repairer |
|
|
£50 for repair, £150 for replacement with approved repairer |
£50 for repair, £150 for replacement with approved repairer |
|
Public liability up to £10M
|
|
|
|
|
|
Public Carriage Office (PCO) replacement vehicle (where available)
|
|
|
Non-PCO courtesy car where available |
Available for 14 days |
|
Motor legal expenses
|
|
|
|
|
|
No claims discount protection
|
Optional, 4+ years |
Optional, 4+ years |
Optional, 4+ years |
Optional, 4+ years |
|
Policy excess
Additional excess applies if incident not reported within 24h or on use of non-approved repairer, and for <25 year old drivers |
No excess applies |
See your policy schedule |
See your policy schedule |
See your policy schedule |
|
Driving in the EU
SD&P only, minimum legal requirement for that country, there is no cover for any loss or damage to your vehicle |
|
|
|
|
Social, domestic, and pleasure (SD&P)
Fast food cover
(Main occupation must still be private hire)
Fire and theft
Accidental or malicious damage to your vehicle
(including flood damage)
Windscreen cover
(£750 excess for non-approved repairer)
Public liability up to £10M
Public Carriage Office (PCO) replacement vehicle (where available)
Motor legal expenses
No claims discount protection
Optional, 4+ years
Policy excess
(Additional excess applies if incident not reported within 24h or on use of non-approved repairer, and for <25 year old drivers)
No excess applies
Driving in the EU
(SD&P only, minimum legal requirement for that country, there is no cover for any loss or damage to your vehicle)
Social, domestic, and pleasure (SD&P)
Fast food cover
(Main occupation must still be private hire)
Fire and theft
Fire and theft (including attempted theft) only
Accidental or malicious damage to your vehicle
(including flood damage)
Windscreen cover
(£750 excess for non-approved repairer)
Public liability up to £10M
Public Carriage Office (PCO) replacement vehicle (where available)
Motor legal expenses
No claims discount protection
Optional, 4+ years
Policy excess
(Additional excess applies if incident not reported within 24h or on use of non-approved repairer, and for <25 year old drivers)
See your policy schedule
Driving in the EU
(SD&P only, minimum legal requirement for that country, there is no cover for any loss or damage to your vehicle)
Social, domestic, and pleasure (SD&P)
Fast food cover
(Main occupation must still be private hire)
Fire and theft
Accidental or malicious damage to your vehicle
(including flood damage)
Windscreen cover
(£750 excess for non-approved repairer)
£50 for repair, £150 for replacement with approved repairer
Public liability up to £10M
Public Carriage Office (PCO) replacement vehicle (where available)
Non-PCO courtesy car where available
Motor legal expenses
No claims discount protection
Optional, 4+ years
Policy excess
(Additional excess applies if incident not reported within 24h or on use of non-approved repairer, and for <25 year old drivers)
See your policy schedule
Driving in the EU
(SD&P only, minimum legal requirement for that country, there is no cover for any loss or damage to your vehicle)
Social, domestic, and pleasure (SD&P)
Fast food cover
(Main occupation must still be private hire)
Fire and theft
Accidental or malicious damage to your vehicle
(including flood damage)
Windscreen cover
(£750 excess for non-approved repairer)
£50 for repair, £150 for replacement with approved repairer
Public liability up to £10M
Public Carriage Office (PCO) replacement vehicle (where available)
Available for 14 days
Motor legal expenses
No claims discount protection
Optional, 4+ years
Policy excess
(Additional excess applies if incident not reported within 24h or on use of non-approved repairer, and for <25 year old drivers)
See your policy schedule
Driving in the EU
(SD&P only, minimum legal requirement for that country, there is no cover for any loss or damage to your vehicle)
Getting covered is simple:
Have everything ready? Start your quote now.
Yes! With INSHUR private hire policies, you’re automatically covered to use your vehicle for social, domestic, and pleasure use/purposes.
We offer fast food delivery coverage automatically at no extra cost on all our private hire insurance policies.
You will not be able to drive another vehicle other than the one registered with your taxi insurance policy.
At this time, we do not allow policy-holders to drive someone else's vehicle under their INSHUR policy.
The price of your insurance is influenced by various factors based on individual circumstances.
Every person is different, therefore insurance cost varies from person to person.
The best way to get your price is to get a quote today. It only takes a few minutes.
Our online quote process is designed with busy private hire drivers in mind. You can get a quote and buy your taxi insurance in minutes.
Plus, your documents are available instantly in your online customer Dashboard.
Absolutely! We provide PCO car insurance tailored for London drivers, helping you get private hire coverage that meets Transport for London (TfL) requirements.