Private hire taxi insurance for good drivers

Private Hire insurance provides cover for professional drivers who carry pre-booked passengers or deliveries of food and parcels in return for payment. This is also known as Hire & Reward.

Bookings are typically made by phone, text, or mobile app and drivers may work with local or national taxi companies, or rideshare apps like Uber, Ola and Bolt. Depending on the level of cover purchased, Private Hire taxi insurance can insure the driver, their vehicle, their passengers, and third-party persons and property.

Private Hire insurance may also be called PCO insurance, minicab insurance or taxi insurance. It specifically covers licensed drivers who carry passengers for a living. Standard motor insurance does not cover this type of activity.

Private Hire insurance provides all-in-one cover - protecting licensed Private hire drivers when they carry passengers, transport food and parcels, or use their vehicle for social and domestic purposes.

Private hire drivers may purchase fully comprehensive or third-party protection - see the differences below.

- Personal driving/private hire work/food & parcel delivery: Included with 3rd Party or Fully Comprehensive.
- Costs for causing damage to other vehicles or property up to £5m: Included with 3rd Party or Fully Comprehensive.
- Your legal liability for causing death or injury to other people: Included with 3rd Party or Fully Comprehensive.
- Public liability cover up to £5m: Included with 3rd Party and Fully Comprehensive.
- Loss, damage, theft of your vehicle and its spare parts: With Fully Comprehensive only.
- Windscreen (excess £50): With Fully Comprehensive only.
- Audio, communication, navigation equipment (excess £500): With Fully Comprehensive only.

Yes. Zego’s all-in-one Private Hire insurance cover provides protection to carry passengers, food delivery or parcels, and use the vehicle for social and domestic purposes.

Public hire vehicle insurance and private hire vehicle Insurance both provide coverage for Hire and Reward, a type of insurance that enables drivers to transport members of the public or goods for a fee. This allows drivers to do so legally, and is an essential aspect of both types of insurance. Zego does not provide insurance for public hire drivers.

There are two types of taxi insurance in the UK:

1. Private Hire insurance covers licensed Private Hire drivers who transport passengers, or deliveries of food and parcels for pre-booked customers who order a ride by phone, text, or mobile app. Private Hire drivers may not pick up passengers who hail them in the street.

2. Public Hire insurance covers licensed Hackney Carriage drivers (black cabs), who may transport passengers, or deliveries of food or parcels for customers who order a ride by phone, text, or mobile app, or who hail a taxi in the street – known as ‘ply for hire’. Zego currently does not offer Public Hire insurance.

Our private hire insurance is available by the month or by the year.

• Our 30-day policy offers flexible cover for taxi work and personal driving, without any long-term commitment. Buy with one easy payment.
• Our annual policy provides long-term cover for work and personal driving, and you can pay in a single payment or 9 monthly instalments.

On average, private hire drivers with a good driving record can expect to pay in the region of £175 for a 30-day policy, or around £1,600 for the annual option. Drivers who choose our annual policy usually save more over the long-term than our 30-day option.

You can save more on your insurance by choosing Zego Sense, our app-based policy for good drivers. The better you drive, the more you save. By driving well, you can get up to 36% off the price before a Sense discount is applied.

Get your quote in under a minute, then purchase online or over the phone. Buy your Private Hire insurance the easy way with Zego. No office visits, minimal paperwork. If you can say ‘yes’ to the points below then Zego Private Hire insurance is right for you:

- You have a private hire licence
- You live and work in England, Scotland, or Wales
- You have a full UK driving licence
- Your vehicle has 9 seats or fewer (including the driver’s seat)
- You are aged 21 - 75
- You’ve had no more than 3 at-fault claims and/or more than 4 non-fault claims in the last 3 years

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

Our app measures how you drive over time and works out your driver score. The better you drive, the less you pay at renewal.

Once you've downloaded the Sense app and activated your policy, we’ll give you 10% off to get you started. Then drive safely to get up to 36% off the price before a Sense discount is applied at renewal.

While Zego provides insurance services for gig economy workers such as Uber taxi drivers, food delivery drivers, and courier drivers, they do not provide Public Hire insurance or black cab insurance for Hackney Carriage drivers.

It is important for Hackney Carriage drivers wanitng 'taxi insurance' to find a reliable provider of Public Hire insurance, as it is crucial for them to have the same benefits as Private Hire Insurance for peace of mind while working. Drivers can search for a reputable insurance provider to get a quote for Public Hire insurance.