Private hire taxi insurance for good drivers

Get up to 27% off when you drive well with our app-based cover, Zego Sense.

Add ‘Sense’ to your policy and save money when you drive well.

What is private hire taxi insurance?

Private hire insurance is cover for taxi drivers who carry pre-booked passengers in return for payment (it’s also known as Hire and Reward). If you're a taxi driver work for a ride-hailing app like Uber or Bolt, you’ll need private hire taxi insurance.
Depending on the level of insurance you choose, it can cover you and your vehicle, plus other people and their property.

Choose between monthly and annual cover

Our private insurance covers you for work and personal driving. That’s Hire and Reward (H&R) plus Social, Domestic and Pleasure (SD&P) cover in one simple insurance policy.

Zego 30 day monthly taxi insurance icon

30 Days


  • Short-term insurance cover.
  • Includes personal (SD&P) and hire and reward (H&R) insurance.
  • Buy with a single payment.

Get a quote
Zego 12 month annual taxi insurance icon

Annual (12 months)


  • Long-term, cost-effective cover.
  • Includes personal (SD&P) and hire and
reward (H&R) insurance.
  • Buy with a single payment or in 9 monthly instalments.

Get a quote
Zego private hire taxi driver with Sense app dashboard UI overlay

Good drivers save with Sense

Zego Sense is our app-based policy that rewards good driving with lower prices. Drive safely and you can get money off when you renew. Simply choose ‘Sense’ at the checkout, then download the app to start saving.

Get a quote

Choose between Third Party Only and Fully Comprehensive

Zego third party icon

Third Party Only

If you’re involved in an accident, Third Party Only covers other people and their property, but it doesn’t cover you. So you’re protected if someone gets injured and tries to sue you, but you won’t be covered if you get hurt or your car gets damaged.

Zego fully comprehensive icon

Fully Comprehensive

This is the top level of cover. It protects you and your vehicle, plus other people and their property, too. You’ll also be covered for legal fees and compensation payouts if you’re found to be at fault.

What’s included with your private hire insurance policy?


Third Party Only

Fully Comp

Private hire work, food and parcel delivery work, plus personal driving


Unlimited liability for causing damage to other vehicles or property while driving


Unlimited liability for causing injury or death to other people while driving


Private Hire public liability cover up to £10m


Loss, damage or theft of your vehicle and its spare parts


Windscreen (£25 excess for repairs or £100 for replacements)


Audio, communication, and navigation equipment cover (£500 limit)

Upgrade your private hire cover with add-ons

breakdown cover icon

Breakdown cover

Combined roadside, recovery and home cover within the UK.

£40

with annual

£8

with 30 day

replacement vehicle

Replacement vehicle

Get a replacement car – licensed for Private Hire work – while yours is being repaired.

£65

with annual

£10

with 30 day

No claims discount protection

NCD protection

Protect your no-claims years for a maximum of one at-fault claim.

+7%

of the price of your premium

Save up to 27% with Sense

Zego Sense is our app-based insurance for good drivers. Unlike standard policies,
Sense is priced on how you drive.

Simply choose ‘Sense’ at the checkout when you buy your policy.

Learn more about Zego Sense

Zego Sense app dashboard

1. Download the Sense app

You'll need the Zego Sense app to use a Sense policy. Download it, activate your policy, and we'll give you 10% off to get you started.

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Zego Sense app insights

2. Start driving

Our app measures how you drive over time to give you a driver score. The better you drive, the less you pay at renewal.

Learn more about Sense
Zego Sense app renewals

3. Get up to 27% off

Good drivers pay less with Sense. Build a high driver score and get up to 32% off the price before a Sense discount is applied.

Get a quote

Choose who you work for

What our customers say about us

Fantastic company!
 Affordable, hassle free and a 
great customer support team.

Pedro, Uber drivertrustpilot review logo

Great to know how driving carefully rewards you with lower premiums. This is the way forward!

Muhammed, Ola drivertrustpilot logo

Why drivers choose Zego

flexible cover calendar

Flexible cover

Get all-in-one insurance for private hire, courier and food delivery work, plus personal use. Choose between a 30-day or annual policy.

Zego savings and discounts

Good drivers save more

Choose our app-based Zego Sense policy and save up to 27% when you drive safely. Because safe drivers should pay less.

customer support icon

Here when you need us

Manage your account online or in the Sense app. If you need a hand, our support team will be happy to help.

Zego Sense trusted private hire insurance provider

You're in safe hands

Commercial insurance is our thing. In fact, over the past 7 years we’ve sold over 58 million policies*.

Frequently asked questions

10% of customers paid this or less in the 6 months prior to 24/10/23.
When you buy a Sense policy, your upfront payment is 10% cheaper than a standard policy, as of 01/05/23.
27% discount is the maximum that can be achieved by Sense policyholders who have a driver score of 95 and above, as of 15/05/24.
Policies sold - based on the total number of policies sold by Zego until 24/10/23.