Finding the right taxi insurance is essential whether you're working full-time on the roads or picking up shifts through a ride-hailing platform. Below is a clear, expanded guide to some of the most reputable taxi insurance providers in the UK what they offer, what they specialise in, and why drivers choose them.
Zego
Zego is a leading provider of private-hire taxi insurance, built specifically for drivers who want flexible, tech-driven cover. Whether you’re working for ride-hailing platforms or taking regular pre-booked jobs, Zego offers policies designed to adapt to the way you drive.
Why Zego stands out:
- Get up to 17% off upfront with telematics app-based cover, Zego Sense. As of November 2025.The Zego Sense app analyses driving behaviour and rewards safer drivers with lower upfront prices, helping keep private-hire insurance more affordable over time.
- Flexible payment options: both 30 Day and Annual private-hire cover available. This gives you the choice between short-term commitment or full-year protection depending on how regularly you work.
- Exclusively for Uber Pro drivers — get up to £80 to spend
Zego has partnered with Uber to reward private-hire drivers for choosing Zego cover, you'll receive a voucher by email to spend at major retailers such as Amazon.co.uk, Sainsbury’s, Argos, Asda or Currys PC World. The amount depends on your Uber Pro tier.
Uber Pro reward levels:
Gold: £60 when you buy an annual policy
Platinum: £70 when you buy an annual policy
Diamond: £80 when you buy an annual policy
- Taxi Private Hire Insurance Annual prices from £1,977.90
- Taxi Private Hire Insurance 30 Day prices from £169.59
- Claim T&Cs: 10% of customers paid this or less in the 6 months prior to 23/07/25
Zego’s policies are fully digital, quick to manage online, and built to work seamlessly with gig-economy driving. Many drivers choose Zego because it’s straightforward, modern, and tailored to private-hire work rather than being adapted from traditional car insurance.
Zego is a strong choice for drivers who want digital convenience, flexible policy lengths, and rewards that help reduce the overall cost of driving.
INSHUR
INSHUR is a digital-first private-hire insurer designed for drivers who want fast, flexible cover without dealing with brokers or paperwork. Their policies are built around ride-hailing platforms, making them a popular choice for drivers who work through apps and need hire-and-reward insurance that fits licensing requirements.
Drivers often choose INSHUR because everything is managed online — from getting a quote to renewing a policy — which makes it convenient for those working irregular hours. They offer both 30-day and annual policy options, giving drivers the ability to scale their cover up or down depending on how often they work. INSHUR also caters well to hybrid and electric-vehicle drivers by including cover for specialist components.
Overall, INSHUR suits private-hire drivers who prefer simple, fast, app-friendly insurance and don’t need the hands-on support of a traditional taxi broker.
Acorn Insurance
Acorn is one of the longest-standing taxi insurance specialists in the UK, well known for working with both private-hire and public-hire drivers. They’re often chosen by drivers who need more tailored cover, such as those with higher mileage, challenging driving schedules, or previous driving convictions.
Acorn focuses strongly on specialist underwriting rather than generic motor policies. This means their cover is designed to take into account the real-world risks taxi drivers face such as longer hours, frequent urban journeys, multiple passenger pick-ups, and high exposure to busy traffic conditions. Many drivers value the ability to talk to a team that understands taxi licensing requirements and local authority rules.
Acorn can be a good fit for drivers looking for a policy that doesn’t automatically penalise them for past experience, or for those operating in major cities where the risk profile is naturally higher.
Freeway Insurance
Freeway offers a wide range of taxi insurance options, covering private hire, public hire and drivers working through ride-hailing platforms. Their policies often come with options to add extras like legal expenses, breakdown cover, or vehicle replacement, which can be particularly useful for drivers who rely on their vehicle as their main source of income.
One of Freeway’s advantages is its emphasis on professional driver support, making them popular among drivers who want a provider that knows the taxi trade well. Their approach tends to be structured and straightforward, which can give drivers confidence during the claims process — especially important in an industry where time off the road can mean lost income.
They also provide good documentation turnaround, which is helpful for licensing requirements when drivers need proof of hire-and-reward cover quickly.
DNA Insurance
DNA Insurance is a taxi specialist known for offering cover tailored to public-hire and private-hire drivers, including those who need policies quickly for licensing or work onboarding. Their policies typically offer flexibility around mileage and vehicle type, making them suitable for drivers who cover long distances or work across different areas.
Drivers often choose DNA Insurance for its personalised service and the ability to speak to advisers who understand the realities of taxi work, from local authority compliance to the day-to-day pressures of professional driving. DNA is particularly helpful for drivers who want a more guided, customer-focused experience when setting up their policy.
Their mix of taxi expertise and flexible underwriting makes DNA a strong alternative to the bigger brands for drivers who want specialist attention.
Aviva
Aviva is one of the UK's largest insurers and provides taxi-friendly hire-and-reward cover through its commercial motor insurance options. While not a taxi-exclusive provider, Aviva is trusted by many drivers who want the reassurance of a major insurer with a strong claims infrastructure.
Aviva’s taxi insurance can be a good fit for drivers who operate multiple vehicles or run a small fleet, as their commercial motor setup allows multiple taxis to be covered under the same business umbrella. Their policies tend to be structured, stable, and backed by large-scale support teams, which appeals to drivers looking for long-term consistency.
For drivers who want a brand with broad coverage options, established reliability, and the security of a household name, Aviva remains a popular choice.
