Insurance for private hire drivers on and off the clock. Includes Bolt, FREENOW, Uber, and more.
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.
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.
Cover for work - you’re insured for private hire taxi use plus fast food delivery at no extra cost (just let us know when you get your quote)
Cover for play - Social, Domestic & Pleasure use included as standard
Make a claim or report an incident online 24/7
Online driver Dashboard to manage your policy
Access to our customer Helpcentre 24/7
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.
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Third Party |
Third Party, Fire and Theft |
Comprehensive |
Comprehensive Plus |
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Social, domestic, and pleasure (SD&P)
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Fast food cover
Main occupation must still be private hire |
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Fire and theft
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Fire and theft (including attempted theft) only |
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Accidental or malicious damage to your vehicle
including flood damage |
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Windscreen cover
£750 excess for non-approved repairer |
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£50 for repair, £150 for replacement with approved repairer |
£50 for repair, £150 for replacement with approved repairer |
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Public liability up to £10M
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Public Carriage Office (PCO) replacement vehicle (where available)
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Non-PCO courtesy car where available |
Available for 14 days |
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Motor legal expenses
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No claims discount protection
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Optional, 4+ years |
Optional, 4+ years |
Optional, 4+ years |
Optional, 4+ years |
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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 |
£500 |
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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)
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)
£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)
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)
£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)
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)
£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)
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:
Get the taxi insurance you need with additional protection for your EV or plug-in hybrid, including:
Repair or replacement for covered claims or accidents. Available for both owned and leased batteries. Up to £10k of battery coverage.
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.
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.
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.
Have everything ready? Start your quote now.
Private hire insurance, or taxi insurance, is coverage specifically designed for private hire drivers.
Note: Private hire insurance is also known as PCO insurance (London only), uber cab insurance or minicab insurance.
This insurance covers you when you’re on the job and working. Working as a private hire driver without proper insurance is illegal, therefore, the correct coverage is essential.
INSHUR offers four distinct coverage options, with 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.