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Here at Zego, we’re on a mission to make insurance simple, affordable and fair. Whether we’re protecting a nationwide taxi fleet or a self-employed scooter delivery rider, we know that our cover needs to be better than the rest.

To build the best insurance products, we need to build the best team.

In the last few years, the way people work has changed. The pandemic transformed us from a largely office-based nation to a fully remote workforce in just a few weeks.

Now that things have begun to settle into what we might call our 

, businesses are figuring out how to create the best working patterns and environments for their people.

We believe that teams work better when they have time to collaborate and space to get things done. We call it 

It’s not “hybrid working” as you might know it – we don’t make our teams work from the office on set days. It’s a flexible approach that allows every one of our people to be their best.

Home is still our primary place of work, with team days and events at our London office when we need to get together. We cover the costs for all company-wide events, and provide a separate hybrid budget to help each team member pay towards the cost of getting to and from the office when they need to.

We think it’s a good mix of collaborative face time and flexible home-working — setting us up to achieve that right balance between work and life.

Of course, beyond our day-to-day working patterns, there are plenty of other perks that come with a job at Zego.

There’s a competitive salary, generous holiday allowance, private healthcare, company pension, wellbeing benefits, and enhanced maternity and paternity leave. And that’s just for starters.

Interested in a job at Zego? Check out our 

 for an up-to-date list of current vacancies and openings.

The way we work is changing. Today, teams perform better when they have time to collaborate and space to get things done. We call it Zego Hybrid.

How We Work: Introducing Zego Hybrid

Driving a taxi can be a great way to earn money, but it comes with its own risks. Not only do you need to protect your passengers, you also need to keep yourself and your business covered. That's where taxi insurance comes in.

Taxi insurance is a type of policy that covers drivers who carry fee-paying passengers (it’s also known as hire and reward). It protects you, your vehicle and your business against any damages or injury claims made by passengers or members of the public.

 is a broad term that can be applied to insurance for private hire vehicles, black cabs and Uber drivers. In this article, we look at the different types of taxi insurance, including public hire and private hire insurance, how you're covered to carry passengers, and things that can affect the cost of your insurance.

 provides cover for licensed drivers who carry pre-booked passengers in return for payment. Private hire insurance is sometimes called taxi insurance, minibus insurance or PCO insurance — it’s specifically for people who drive passengers for a living. Your standard motor insurance (known as social, domestic and pleasure) does not cover this type of business activity.

Public hire insurance is essential for all vehicles licensed as a Hackney Carriage. It’s also known as black cab insurance. Public hire insurance offers similar cover to private hire insurance, but the main difference is that it covers taxis that can be hailed down by customers on the street, or picked up at a taxi rank.

private hire taxi insurance to drive for Uber.

 Insurers see Uber drivers as operating a private hire taxi service, so you’ll need to have the right taxi insurance in place. If you’re involved in an accident while driving for Uber and you don’t have the right insurance, you will likely have your claim turned down.

Taxi insurance policies are usually available in 3 different levels of cover:

Here are a few other things you should consider when getting a taxi insurance quote:

Public liability insurance for taxi drivers provides protection against claims that you, as a driver, could be found liable for. It protects you if a passenger suffers a personal injury or damage to their property while either in, entering or leaving your taxi. It will cover you against any legal or compensation claims.

You need personal cover if you plan to use your taxi for day-to-day use. Check with your local authority to see if unregistered drivers can drive licensed taxis, as not all do.

As a taxi driver, you'll drive a lot of miles, so an unlimited mileage policy will protect you from unexpected fees.

Taxis and private hire vehicles spend more time on the road than most, which increases their breakdown risk. Not all insurers offer taxi and private hire vehicle breakdown policies. As a taxi or private hire driver, your vehicle is your business. Finding the right cover can help you keep going if it breaks down.


Along with the options above, you can usually choose between:

 Provides cover for anyone driving your taxi, providing they are licensed and able to do so.

The cost of taxi insurance is affected by the same things as your standard motor insurance, like where you live, your driving history, and the type of vehicle you drive. But taxi insurance is typically more expensive than a regular car insurance policy. Here’s why:

Taxi drivers tend to drive more miles each year than regular drivers.

Carrying passengers will increase the likelihood of a personal injury claim.

Taxi work can involve driving in busy areas at the busiest times of day.

All of these things increase your risk of being involved in an accident, which can drive up the cost.

There are a number of ways to reduce the cost of your taxi insurance. It's always sensible to shop around and compare quotes, but you can also:

Choose a moderately-priced vehicle with a smaller engine size.

Install extra security features and CCTV in your taxi.

Choose an annual insurance policy and pay for it upfront.

Choose a behaviour-based insurance policy, like 

 (it uses data to measure how well you drive — when you drive safely, you pay less for your insurance renewal).

Private hire taxis need a specific type of insurance known as ‘hire and reward’ (or H&R for short). It protects drivers and their vehicles from damages following an accident, and usually includes public liability insurance to protect against personal injury or compensation claims if a passenger or member of the public gets hurt.

If you're driving a taxi in London, there are a couple of extra things you'll need to think about:

In 2016 Traffic For London (TFL) introduced an English Language Requirement (ELR) — an English language exam that all London taxi drivers must pass to get their licence.

As a private hire driver In London, by law your vehicle must be covered by hire and reward insurance at the point of licensing.

PCO stands for ‘Public Carriage Office’, a governing body that is part of Transport for London (TFL) that oversees all taxis in the capital.

Can I charge people with my normal business insurance?

If you're driving a paying customer, most standard car or van insurance policies won't cover you. Instead, you'll need taxi insurance (known as hire and reward insurance).


Decommissioned taxi insurance is a type of insurance coverage for taxi drivers who are no longer actively driving their vehicles as taxis. This type of insurance is often needed by drivers who have retired, sold their taxis, or stopped operating them for other reasons.

Decommissioned taxi insurance can help protect against any liability or damages, even if the vehicle is no longer being used as a taxi. It’s important to notify your insurance provider if you have decommissioned your taxi so that they can adjust your coverage accordingly.


Our flexible taxi insurance provides you with all the cover you need to work as a private hire taxi driver. You can buy a policy in just 5 simple steps:

Have your car details and private hire licence ready.

Receive your policy documents online or through our app.


Choose from a 30-day or annual policy to suit how you work. And don’t forget about 

, the smart policy that rewards good drivers with lower prices! Get your quote in under a minute.

Get a taxi insurance quote in minutes.

Taxi insurance covers drivers who carry fee-paying passengers. Learn about the different types and levels of cover, including other things you might need to work as a taxi driver.

What insurance do I need to be a taxi driver?

When it comes to earning money as a food delivery driver, there are lots of things to consider. One of the most important is insurance. For instance, you might be asking yourself what type of insurance you need, and how much will it cost?

To legally deliver food in return for payment, you'll need to have a hire and reward insurance policy. This is also referred to as ‘fast food delivery insurance’, or ‘carriage of goods, including food, for hire and reward insurance’.

Your personal car insurance policy (known as social, domestic and pleasure) will not cover you for takeaway driving.

Keep reading to learn more about what types of insurance you need when delivering food.

 is a blanket term used to describe the cover you need to deliver food in exchange for payment. Although it covers all types of insurance you need to deliver takeaways, it usually refers to 

What type of insurance do you need for food delivery work?

To be able to deliver food in the UK, you need a hire and reward insurance policy along with a social, domestic and pleasure policy. That means you’ll be covered while driving for work and for making personal trips.

Social, domestic and pleasure (standard car insurance policy)

Your standard car insurance policy is a legal requirement to be on the roads. It covers you for everyday use and non-work related travel.

To be able to deliver food in return for payment, you’ll need a hire and reward insurance policy. There are three levels of cover available:


Covers damage you cause to other vehicles or property in an accident, but it doesn't cover your own vehicle.

Covers damage to other people’s vehicles and property, and it protects your vehicle against damage or loss due to fire or theft.

 This is the top level of insurance. With comprehensive cover you get all of the above, plus cover for your own vehicle, no matter who is at fault.

What other kind of insurance do I need to deliver food?

The following types of policy aren't required for delivering food from restaurants, but they do afford you a higher level of cover. It's worth checking with your employer or work provider to see if they offer any of these insurances.

Goods in transit insurance will cover your goods against theft, loss or damage while they’re being transported from one location to another.

Due to the low cost of delivering fast food, food delivery drivers are not typically required to carry 

. However, if you also work as a courier delivering more expensive products for companies like

 Amazon, you will likely need goods in transit insurance.

Public liability insurance protects delivery drivers who become involved in an accident and cause harm to a third party. You’re protected against any legal fees, expenses and compensation payouts if a member of the public seeks damages or tries to sue you.

If you're delivering food and find yourself involved in an incident, personal accident insurance pays out if you have a serious injury, or become totally and permanently disabled.

What's the difference between hire and reward insurance and delivery driver insurance?

Hire and reward insurance is often referred to by different names, including delivery driver insurance. You might also hear it referred to as:

Carriage of goods for hire and reward insurance


How much does food delivery insurance cost in the UK?

The cost of food delivery insurance is usually higher than standard personal car insurance. That’s because you're likely to be driving more frequently and at busier times of the day, so the risk of being involved in an accident is higher.

The cost of your cover will vary depending on things like:

The number of miles you travel each year.

The length of your policy can also affect the cost of your food delivery car insurance:

 If you choose a short-term policy that you pay for by the hour or day, you might find it ends up being more expensive overall than the cost of an annual policy. 

If you choose an annual policy and pay for the year upfront, you’ll probably pay a lot less overall than you would with an hourly or monthly policy. If you know you’ll be making deliveries for the long term, this might be the policy for you.

If you're using a motorbike, scooter, or car, Uber Eats requires you to have a certificate of motor insurance that covers you for food delivery (also known as hire and reward, not excluding food delivery).

Can I deliver for Just Eat without insurance?

Just Eat requires you to have your own insurance cover before you’re allowed to deliver for them. Without insurance, you won’t be able to register as a Just Eat delivery driver. This is why it’s essential to check that your insurer provides the right type cover for food delivery work before signing up as a driver.

Can I deliver for Deliveroo without Insurance?

You’ll need to have your own hire and reward insurance before you can work with Deliveroo. 

 do provide free personal injury and income protection for all their riders, as well as public liability cover for cyclists, and for scooters and cars when they’re walking to pick up or drop off an order.

At Zego, we offer a range of delivery insurance options so you can get the cover that’s right for you. For car drivers, we offer pay-as-you-go and 30-day policies, so we’ve got options suitable for both part-time and full-time delivery work.

For scooter riders, we offer pay-as-you-go, 30-day and annual cover options. So whether you’re working full-time or for just a couple of hours per week, we have a policy that’s right for you.



Get a food delivery quote - it's only take a minute

If you’re thinking about earning money as a food delivery driver, you’ll need the right type of insurance for your vehicle. Here’s what you need to know. 

What insurance is needed to deliver food?

Whether you’re a full-time delivery driver with years of service, or just starting out with Uber or Bolt, you need the right type of insurance to keep you covered while you work.

Hire and reward is a type of motor insurance that allows drivers to carry parcels, packages or people in return for payment. It covers you for any damages or vehicle repairs if you're involved in an accident. And it can also include public liability cover to protect you if somebody gets injured.

So if you’re working as a courier, a delivery driver or a private hire

, you’ll need hire and reward insurance for your vehicle.

You might also hear it referred to as ‘carriage of goods for hire and reward’, or just H&R for short.

What type of vehicle can I use for hire and reward work?

You can insure most types of vehicles for hire and reward work. So if you’re couriering parcels in a van, delivering fast food on a scooter, or driving passengers in a car, you should be able to get a hire and reward policy that covers you for the type of work you do.


Is hire and reward the same as business insurance?

Hire and reward is different from most business class insurance policies. While it is a type of commercial motor insurance, it covers you for a different type of work.

For example, some business class policies only cover you if you’re travelling between two set locations to deliver goods, rather than from a depot or restaurant to lots of different addresses. And other business insurance policies only cover employees who use their car to visit clients or make regular journeys to other offices or sites.

, you’re covered for all types of private hire driving, food deliveries and courier work.

Do courier drivers need hire and reward insurance?

Courier drivers who deliver goods using their own vehicle are required to take out a hire and reward policy. It covers you for making deliveries of parcels and packages in return for payment. So if you’re involved in an accident while you’re working, your H&R insurance will protect you against vehicle repair fees and legal expenses.

Does hire and reward cover food delivery?

Yes, you can work as a food delivery driver using a hire and reward insurance policy. You’ll be covered to deliver food using your car or scooter, and most H&R policies include public liability in case you’re involved in an accident and found to be at fault.


Fast food delivery platforms like Uber Eats and Deliveroo might have specific requirements. So if you need hire and reward insurance for the deliveries you make, it’s a good idea to check before you buy a policy.

What types of hire and reward policies are available?

Most insurers offer two different types of hire and reward policy: 

. Third Party policies only cover other people, so if you’re involved in an accident, they’ll be protected but you won’t. Fully comprehensive covers you and other people. It’s the top level of hire and reward insurance cover.

What’s the difference between Third Party Only and Fully Comprehensive?

The main difference is that Third Party Only covers other people and their property, while Fully Comprehensive covers you and your vehicle, plus other people and their property. So if you’re involved in an accident and you’re covered with Fully Comprehensive insurance, you get more peace of mind that you’ll be totally protected against vehicle repair fees, legal expenses and compensation payouts.

Here are the main differences between the Third Party Only and Fully Comprehensive H&R policies we offer:

Hire and reward insurance tends to be a bit more expensive than regular insurance (known as social, domestic & pleasure). That’s because, as a driver using your vehicle to earn money, you’re likely to cover a lot more miles than an average driver. You’re also likely to drive in busier areas at busier times of the day.

These things increase your risk of being involved in a traffic accident, so hire and reward policies will typically cost more than regular car insurance policies.

Here are a few things you can do to help lower the cost of your hire and reward insurance:

Try to keep your licence free from points and penalties.

Take out no claims discount (NCD) protection.

Choose a moderately-priced vehicle, and fit extra security features like immobilisers and tracking devices.

If you can, keep your vehicle in a locked garage or on private property overnight.

Choose an app-based insurance policy that gives you discounts when you drive well (check out 

Can I deliver for Amazon Flex with hire and reward insurance?

 with a hire and reward policy. It’s a legal requirement in case you have an accident while you’re working. You’ll also need social, domestic and pleasure insurance — that’s the standard type of motor insurance you use for personal driving (like trips to the shops or to visit friends).

With both H&R and SD&P insurance, you’ll be covered while you work, and also between shifts or when you’re driving home at the end of the day. Check out our blog to learn more about the 

insurance you need to work for Amazon Flex

How do I get a quote for hire and reward insurance?

If you already have a social, domestic and pleasure policy for personal driving, talk to your insurer to see if they also offer hire and reward insurance. For most delivery and private hire work, you’ll need both types of insurance in place.

Here at Zego, we offer all-in-one insurance for 

. You get hire and reward insurance, plus social, domestic and pleasure cover in one simple policy. Plus we also include public liability cover in case you’re involved in an accident and found to be at fault.

Get a personalised quote — it only takes a minute.

Hire and reward is a type of motor insurance that allows drivers to carry parcels, packages or people in return for payment. Here's all you need to know. 

What is Hire and Reward Insurance? 

We offer a range of policies designed to suit the way you work.

If you’re a delivery driver, our pay-as-you-go 

can help you save money on the cost of your cover.

 works, how we calculate the cost and what you can do to make sure you’re getting the most out of your cover.

How do we calculate the cost of your insurance?

With our pay-as-you-go H&R delivery insurance, your cover is charged by the minute, with 

As soon as you accept a job with any of our delivery partners (like 

), your cover will start and you’ll be charged for 1 hour (that’s the minimum charge).



 1 hour after you accept your first job, we’ll check to see if you’re still making deliveries. If you’re still delivering, we’ll start charging you by the minute until you’ve finished your shift.



We’ll pause your cover automatically, end your current pay-as-you-go insurance session and the Zego Flex app will deduct the cost from your balance.


 before you pick up the next delivery, your current 

 and the Zego Flex app will deduct the cost from your balance.

When you’re ready to start a new delivery shift, we’ll start a new pay-as-you-go insurance session and you’ll be charged for a minimum of 1 hour’s cover.

After you finish your shift, your cover will end and the Zego app will deduct the cost from your balance.

What happens if you accept jobs from different companies?

If you accept jobs for any of our delivery partners, you’ll be charged the same way we’ve described above. You won’t be charged more than once if you’re working with different companies.

What happens if you work for a different company?

 you need to work with one of our delivery partners, ranging from food to parcel delivery. If you have a pay-as-you-go policy, you’re only covered with the following work providers:

What if you have questions about your charges?

Our Customer Service team is available 7 days a week by live chat, email and over the phone. We’re always happy to help with any questions you have.

Before you get in touch with us, check out your shift history on your Zego app. You can see a record of all your previous shifts and how much you’ve been charged for each insurance session.

Pay-as-you-go delivery insurance is recognised by the motor insurance authority and is 100% legal.

If you’re new to Zego and you’d like to get started with a quote, you can fill in your details using the form below. It’s quick and easy to sign up for our delivery insurance.

If you’d like to find out more, please get in touch. We’ll be happy to help!

Get a delivery insurance quote in minutes.

Our guide to how pay-as-you-go delivery insurance works and how we calculate the cost of your cover.

How does pay-as-you-go delivery insurance work?

Here at Zego, we work with leading insurance brokers to provide our commercial cover to fleets across the UK.

, has been at the forefront of our product development rollout. They work closely with us to provide the most innovative insurance solutions to their clients.

We caught up with Sam Ross, Senior Account Manager at Flint Insurance, to find out how they’re getting on with the Zego Fleet Portal.

Good morning! I’m well thanks, good to see you.

For those who don’t know about Flint Insurance, can you tell us what you do?

Flint Insurance is an independent, family-owned and run business. We specialise in commercial insurance for fleets and businesses. And we also specialise in private clients.

We’ve been trading for just over 40 years. We’re now one of the biggest brokers in London and the South East.

We spoke with one of our leading insurance brokers to find out how they’re getting on with the Zego Fleet Portal. Follow the conversation here.


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Latest News

How We Work: Introducing Zego Hybrid

What insurance do I need to be a taxi driver?

What insurance is needed to deliver food?

What is Hire and Reward Insurance?

How does pay-as-you-go delivery insurance work?

Fleet Portal: A Chat With Sam Ross, Flint Insurance

Zego Sense – We’ve improved the way we calculate your driver score

What insurance do I need for van work?

What insurance do I need to be a courier driver?