TAXI INSURANCE
Trusted by 100k+ taxi drivers in the UK
When your vehicle is how you earn, your insurance should keep up.
- Private hire cover from £99/month*
- Taxi, delivery, and personal driving cover in one policy
- Earn rewards for good driving with Zego Sense
Private hire or Public hire
Two licences. The one you hold decides which cover you need.
Private hire insurance
Private hire vehicles must be booked in advance through a licensed operator, you can't hail them in the street or pick them up from a rank. The driver, vehicle, and operator all need separate private hire licences from the local council. Popular for pre-booked journeys, app-based rides, and account work
Public hire
Public hire vehicles (hackney carriages, or "black cabs") can be hailed directly in the street or picked up from designated ranks, as well as pre-booked. They're licensed to carry passengers for hire without a prior booking and often have distinctive vehicle requirements set by the local authority.
Choose your cover level
Two levels, in plain English, for private hire and public hire drivers alike
Third Party Only
The legal minimum. Covers damage or injury you cause to other people, their vehicles and their property. It won’t cover your own car.
Fully Comprehensive
This is the highest level of protection. With our comprehensive cover, you get all the protection of a third party policy, plus cover against theft or damage to your vehicle. You can also choose add-ons to boost your cover.
Why Zego?
Most taxi cover you’ll find online is a broker or an aggregator passing you to someone else. With Zego, the cover, the app and the support all come from the same place.
Upload your insurance certificate to Uber, Bolt or FreeNow in seconds, straight from the app. No waiting, no back and forth.
Private hire drivers can pick app-based telematics insurance, where good driving is recognised, or keep things traditional with a standard policy. Your call.
With a telematics policy you get points for driving well and swap them for gift cards from brands like Amazon, Tesco and Greggs. Up to £60 a year.
Whatever suits how you earn.
Documents, certificates and support, all a few taps away.
What’s included in your Sense telematics policy?
Private hire, delivery and personal driving cover in one policy
£5m public liability as standard with the option to upgrade to £10m
Instant certificate upload for Uber, Bolt and FreeNow
App-based policy management
Access to our claims team
Upgrade your taxi cover with these extras
Breakdown cover
Get help if your car breaks down, including roadside recovery and repairs to get you back on the road.
£40
with annual
£8
with 30 Day
Replacement vehicle cover
Get a replacement car while yours is being repaired or replaced, allowing you to keep working.
£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
How to get a taxi insurance quote
Private hire drivers can get a quote online. Public hire cover is arranged over the phone on 020 3053 9815. Either way, there’s no office visit and no paperwork in the post.
1. Tell us about you and your vehicle
Your licence type, your vehicle, where you are based and your claims history. Have your taxi badge and driving licence to hand before you start.
2. Choose your cover and how you pay
Third party or fully comprehensive. Rolling 30-day or annual. Private hire drivers can also choose Zego Sense, where good driving lowers your price, or a standard policy. Add breakdown or a replacement vehicle if you want them.
3. Get covered and send your certificate
Buy online or over the phone and your certificate lands in the app straight away. Upload it to Uber in seconds, without leaving the app or chasing anyone for it.
Whoever you drive for, your certificate is accepted
Why we’re the right choice
94m
policies sold
750k
drivers have chosen us
96%
of Sense drivers save money
How can I get cheaper taxi insurance?
Taxi insurance costs more than a standard car policy because you spend far longer on the road and carry paying passengers. These are the levers that move the price most. Whichever you pull, make sure your policy still covers the work you do, as being underinsured can put your licence at risk as well as a claim.
Build your taxi no claims bonus
Taxi no claims bonus is usually built separately from your private car one, so the years you earn on a taxi policy are worth protecting. Driving safely and keeping a clean claims history brings the price down at each renewal.
Choose the right cover level
Fully comprehensive isn't automatically the right answer. On an older, higher-mileage vehicle, third party cover may give you what you actually need for less. Price both before you decide.
Secure your vehicle
Alarms, immobilisers and trackers all help. So does keeping it on a driveway or off-street space overnight rather than by the roadside. Insurers price a well-protected vehicle as lower risk.
Keep your mileage accurate
Taxi mileage is high, but rounding it up costs you money. Give a realistic annual figure for the work you actually do, and tell us if your pattern changes mid-policy.
Pay annually
Paying for your policy annually instead of monthly can result in significantly lower costs over the long run.
Use Zego Sense
With Zego Sense, your price is based on how you actually drive rather than history alone. Private hire drivers get 17% off upfront, plus fairer renewals based on how they drive.
Taxi insurance FAQs
Taxi insurance covers you to carry passengers, or food and parcel deliveries, in return for payment. This is known as Hire and Reward, and a standard car insurance policy does not include it.
If you hold a licence to carry passengers for a living, you need taxi insurance in place to work legally. It may also be called private hire insurance, PCO insurance, minicab insurance or public hire insurance, depending on the licence you hold.
If you hold a private hire or Hackney Carriage licence and carry paying passengers, yes. Standard motor insurance does not cover Hire and Reward work, and neither does most business car insurance.
Driving taxi work on the wrong policy means you are effectively uninsured. That risks an unpaid claim, your licence, and prosecution. You will also need valid taxi insurance in place before your licensing authority will plate your vehicle.
It depends on the licence you hold, not the vehicle you drive.
Private hire, also called PCO or minicab, covers pre-booked work only. That means journeys booked through a licensed operator, by phone, or through an app like Uber, Bolt or FreeNow. You cannot be hailed in the street or wait on a rank.
Public hire covers licensed Hackney Carriage drivers, including black cabs. You can be hailed in the street and wait at ranks, which is known as plying for hire, as well as taking pre-booked work.
Zego covers both.
You can buy third party or fully comprehensive cover. Both include:
- Private hire or public hire work, food and parcel delivery, and personal driving
- Costs for damage you cause to other vehicles or property, up to £5m
- Your legal liability for causing death or injury to other people
- Public liability cover up to £5m as standard, with the option to upgrade to £10m
Fully comprehensive adds:
- Loss, damage or theft of your vehicle and its spare parts
- Windscreen cover, with a £25 excess for repairs or £100 for replacements
- Audio, communication and navigation equipment, with a £500 excess
Private hire cover starts from £99 a month*. Your own price depends on your licence type, where you are based, your vehicle, your claims history and how long you have held your licence. For a public hire price, call our team on 020 3053 9815.
Cover is available by the month or by the year:
- A 30-day policy gives you flexible cover with no long-term commitment, bought in one payment.
- An annual policy gives you long-term cover, paid in one payment or nine monthly instalments after a deposit.
On private hire, choosing Zego Sense can bring the price down further, with 17% off upfront and fairer renewals based on how you drive.
Yes. Choose a 30-day policy for flexible cover with no long-term commitment, or an annual policy if taxi work is your main income. Both are available for private hire and public hire.
Because the risk genuinely is higher. You spend far more hours on the road than a private motorist, cover much higher annual mileage, often drive at night and through busy town centres, and you carry paying passengers, which brings passenger liability into the policy. Insurers price for all of that.
Yes. Our all-in-one cover protects you when you are carrying passengers, delivering food or parcels, and when you are using the vehicle for your own personal journeys.
Yes. Our private hire insurance covers pre-booked work through apps like Uber, Bolt and FreeNow, plus delivery work and personal driving. Once you are covered, you can upload your certificate to Uber, Bolt or FreeNow in seconds, straight from the Zego app. Find out more about our Uber driver insurance.
Yes. Electric and hybrid vehicles are welcome on both private hire and public hire policies.
Private hire drivers can get a quote online, then buy online or over the phone. Public hire cover is arranged over the phone with our sales team on 020 3053 9815, and in most cases we can set your policy up on the call. No office visits, and minimal paperwork.
Once you are covered, your certificate is in the app straight away, and you can upload it to Uber, Bolt or FreeNow in seconds.
Have these to hand before you start:
- Your driving licence and taxi badge
- Your licence type and the authority that licensed you
- Details of the vehicle you want to insure
- Where you are based
- Your claims history
Private hire drivers can get a quote online. For public hire cover, call our team on 020 3053 9815.
Zego Sense is our app-based insurance for good drivers. Instead of pricing purely on your history, it prices on how you actually drive.
The app measures your driving over time and works out your driver score. The better you drive, the less you pay at renewal. You also get 17% off upfront. Sense is available on our private hire policies.
No. We insure individual drivers only, across car, van, taxi and delivery. If you run a taxi fleet and need several vehicles covered under one policy, you’ll need to arrange this with another provider.
"94 million policies sold..." - based on the total number of policies sold by Zego as of 10/06/26.
"750k drivers have chosen us..." - based on unique customers who have held a Zego policy as of 10/06/26.
"96% of Sense drivers save money" - based on Zego customers who have been insured on Sense policies and have a Driver Score, between 01/06/2025 and 01/08/2025.
"£99/month..." - *10% of customers paid this or less monthly on an annual private hire policy in the 3 months prior to 01/08/26.
"Trusted by 100k+ taxi drivers..." - based on unique customers who have held a Zego private hire taxi policy as of 07/08/26.
"17% off upfront..." - when you buy a Sense policy, your upfront payment is 17% cheaper than a standard policy, as of 10/09/25.
"...£60 a year..." - if a rating of 'Excellent' is consistently maintained over the full course of the policy. Available to annual policy holders only.