Taxi insurance for private hire drivers

Explore our online taxi insurance for private hire taxi drivers:

Three coverage levels designed for private hire drivers
Coverage for work and play (SD&P included)
Flexible policies and payment options
Manage your policy in one easy place

What is taxi insurance, or private hire taxi insurance?

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, giving you the confidence to focus on your passengers and earnings, knowing you’re covered.

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Why do I need taxi insurance?

Taxi insurance safeguards your vehicle, your passengers, and your livelihood. Incidents happen, and without the right cover, you could face costly repairs, legal fees, or loss of income. With private hire taxi insurance, you’re protected against the unexpected - so you can keep driving with peace of mind.

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What details do I need to get taxi insurance?

Personal Information – Name, date of birth, and address.
Vehicle Details – Make, model, year, and where your vehicle is kept when not in use.
Claims History – Including any No Claims Discount.
Taxi Licence Information – Details of your private hire licence.

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What does taxi insurance cover?

Our 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	Comprehensive	Comprehensive Plus
Social, domestic, and pleasure (SD&P)
Fast food cover Main occupation must still be private hire
Accidental or malicious damage to your vehicle
Fire, flood, theft, and vandalism
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 £5M
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
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	£500	£500
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
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Social, domestic, and pleasure (SD&P)

Fast food cover

(Main occupation must still be private hire)

Accidental or malicious damage to your vehicle

Fire, flood, theft, and vandalism

Windscreen cover

(£750 excess for non-approved repairer)

Public liability up to £5M

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)

Start my quote

Social, domestic, and pleasure (SD&P)

Fast food cover

(Main occupation must still be private hire)

Accidental or malicious damage to your vehicle

Fire, flood, theft, and vandalism

Windscreen cover

(£750 excess for non-approved repairer)

£50 for repair, £150 for replacement with approved repairer

Public liability up to £5M

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)

£500

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)

Start my quote

Social, domestic, and pleasure (SD&P)

Fast food cover

(Main occupation must still be private hire)

Accidental or malicious damage to your vehicle

Fire, flood, theft, and vandalism

Windscreen cover

(£750 excess for non-approved repairer)

£50 for repair, £150 for replacement with approved repairer

Public liability up to £5M

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)

£500

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)

Start my quote

Why choose INSHUR?

With INSHUR, you get insurance delivered through an easy-to-use online platform. Get a quote, buy, and renew your policy from your online Dashboard.

Getting taxi insurance with INSHUR gives additional benefits like:

Personalised taxi quote in minutes
Choose from our flexible 30-day or annual policy lengths
Spread the cost with monthly payments or save and pay in-full
Coverage for all private hire platforms, including fast food
Social, Domestic & Pleasure covered as standard
Trusted partnerships with major UK platforms including Uber

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person wearing suit with hands on steering wheel

Man sitting in the driver's seat of his care, entering information into u keypad

Drive an electric or plug-in hybrid taxi?

Get the taxi insurance you need with additional protection for your EV or plug-in hybrid, including:

Battery cover

Repair or replacement for covered claims or accidents. Available for both owned and leased batteries. Up to £10k of battery coverage.

Cable cover

Reliable support for damaged or stolen cables while attached to your vehicle. We also cover you for third-party incidents, e.g. someone tripping over your cable while in use.

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Make taxi insurance work for you

We make picking the right taxi insurance simple. Choose your level of coverage, opt for a 30-day or annual plan, and decide whether to pay in full or spread the cost with monthly payments.

Join thousands of private hire taxi drivers already protected by INSHUR.

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Frequently asked questions (FAQs)

To get a quote online, simply click here, sign up, and answer the questions. It only takes a matter of minutes and you'll receive your quote instantly.
We provide private hire insurance, with three distinct coverage options on 30-day or annual policies, so you can choose the level of coverage you need. You’ll also get food delivery coverage at no extra cost.

You can access your insurance online 24/7. Get a quote, review, and renew your policy, anytime from your online Dashboard – saving you time and helping you get on the road faster.

Getting started is easy. simply click here to sign up and start your quote today.
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.

See more FAQs

Taxi insurance for private hire drivers

What is taxi insurance, or private hire taxi insurance?

Why do I need taxi insurance?

What details do I need to get taxi insurance?

What does taxi insurance cover?

Why choose INSHUR?

Drive an electric or plug-in hybrid taxi?

Battery cover

Cable cover

Make taxi insurance work for you

Hear from our happy drivers

Frequently asked questions (FAQs)

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