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Private hire taxi insurance for good drivers
Get up to 36% off when you drive well with our app-based cover, Zego Sense.
What is private hire taxi insurance?
Private hire insurance is cover for UK taxi drivers who carry pre-booked passengers in return for payment (it’s also known as Hire & 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.
30 Days
From £130*
- Short-term insurance cover.
- Includes Personal (SD&P) and Hire & Reward (H&R) insurance.
- Buy with a single payment.
Annual (12 months)
From £1100*
- Long-term, cost-effective cover.
- Includes Personal (SD&P) and Hire & Reward (H&R) insurance.
- Buy with a single payment or in 9 monthly installments.
Choose between Third Party Only and Fully Comprehensive
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 or your vehicle. 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.
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, and personal driving
Costs for causing damage to other vehicles or property up to £5m
Your legal liability for causing death or injury to other people
Public Liability insurance cover up to £5m
Loss, damage or theft of your vehicle and it’s spare parts
Windscreen (excess £50)
Audio, communication, and navigation equipment (excess £500)
Upgrade your private hire cover with add-ons
Breakdown cover
Combined roadside, recovery and home cover within the UK.
£40
with annual
£8
with 30 day
Replacement vehicle
Get a replacement car – licensed for Private Hire work – while yours is being repaired.
£65
with annual
£10
with 30 day
NCD protection
Protect your no-claims years for a maximum of one at-fault claim.
7%
of the price of your premium
Choose who you work for
Choose who you work for
Get a quote today in under a minute
Save up to 36% with Zego Sense
Zego Sense is our app-based insurance for good drivers. Unlike standard policies, Zego Sense is priced on how you drive.
How it works
Download the 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.
Start driving and build your score
Our app measures how you drive over time to give you a driver score. The better you drive, the less you pay at renewal.
Drive well and get up to 36% off
Good drivers pay less when they renew – get up to 36% off the price before a Sense discount is applied.
Why drivers choose Zego
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.
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.
Good drivers save more
Choose our app-based Zego Sense policy and save up to 36% when you drive safely. Because safe drivers should pay less.
What our customers say about us
Fantastic company!
Affordable, hassle free and a
great customer support team.
Great to know how driving carefully rewards you with lower premiums. This is the way forward!
Frequently asked questions
Get a quote today in under a minute
When you buy a Sense policy, your upfront payment is 10% cheaper than a standard policy, as of 01/05/23.
36% discount is the maximum that can be achieved by Sense policyholders who have a driver score of 95 and above, as of 01/05/23.
10% of customers paid this or less in the 6 months prior to 19/05/23.
Over 52 million policies sold - based on the total number of policies sold by Zego until 18/05/23.