Hassle free, easy to use insurance for private hire drivers.
Private hire insurance
For the drivers who keep everyone moving
From airport runs to the Friday night rush, get cover built specifically for Uber, Bolt and private hire drivers – from just £99*/month.
What is private hire taxi insurance?
Private hire insurance is designed for drivers carrying pre-booked passengers. It’s a legal requirement if you drive with platforms like Uber, Bolt or Ola.
Choose your cover
You can choose from different levels of protection, depending on the way you work and your budget. Whether you prefer the essentials or more comprehensive cover, private hire insurance makes sure you're always road legal and ready for your next fare.
Two ways to get covered
Take your pick from our Standard or app-based telematics policy. Both combine work and personal driving in one simple policy.
Sense telematics
Drive well and get rewarded. Telematics cover gives you specialist private hire cover and gift cards for good driving, and your driver rating can count towards your renewal price.
- Save up to 17% upfront*
- Good driving can mean a fairer renewal price
- Get up to £60 a year in gift card rewards*
- Instant certificate upload to Uber, Bolt and Freenow
- Also includes food and parcel delivery
- Choose 30 day or annual cover
Standard
Standard gives you specialist private hire cover with your price and cover set up front. Pick your cover level, choose your payment option, and you're ready to go.
- Instant certificate upload to Uber, Bolt and Freenow
- Also includes food and parcel delivery
- Single or monthly payment options available
- Choose 30 day or annual cover
Good driving on shift gets you Rewards
With telematics cover, every shift is a chance to get points, whether you drive full time or a few shifts a week. Drive well and you can get up to £60 a year in gift card rewards*.
No black box, just your phone
Our app uses your phone’s built-in sensors to understand how you drive. Install it and you’re ready to take fares, with no garage visits.
Up to £60 a year in gift card rewards
On annual telematics cover, drive well to get points, then swap them for gift cards from Amazon, Tesco, Greggs and more. Breakfast after a night shift, sorted.
Driving insights between fares
See how you’re doing on speed, braking and how smoothly you handle the road, plus the one thing to work on next. Smoother driving, happier passengers.
Good driving can mean a fairer renewal price
Your driver rating builds while you’re covered, and it can count towards your annual price. Rewards come along the way too.
Choose your level of protection
Fully Comprehensive
This is the top level of cover. If you’re involved in an accident, it protects you and your vehicle, plus other people and their property. You’ll also be covered for legal fees and compensation payouts if you’re found to be at fault.
Third Party Only
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.
What’s included with your private hire policy?
Useful extras for the road ahead
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 your policy price
Connect with the UK’s biggest platforms
What our customers say
Over 100,000 taxi drivers have insured with Zego*. Here’s what some of them have to say.
You could get your insurance policy cover online in minutes.
Great insurance company for drivers who drive taxis and food delivery.
Great service and smooth experience from start to finish. Highly recommend.
Customer support responds quickly, and the whole process was smooth.
I highly recommend to anyone wishing to insure their taxi.
Join the drivers already getting rewarded
96%
Of Sense drivers save money
94m
Policies sold
Hear from our drivers
Here’s what some of our private hire drivers have to say.
Meet Peter
"Zego customer service has been very reliable, and very prompt. And I think I would recommend Zego to my friends."
Meet Muhammad
"When my friend come to me for insurance advice, I always recommend Zego."
Meet Tihomir
"I haven't been long with Zego, just 4 or 5 months. Customer service for me was really good so far, thumbs up for them."
Share and earn. It's that simple.
Know another driver who could use better cover? Refer them to Zego and you'll both get a gift card when they take out their first policy: £50 for an annual policy, or £10 for a 30-day one.
Frequently asked questions
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 as standard with 3rd Party and Fully Comprehensive. Option to upgrade to £10m worth of cover.
- Loss, damage, theft of your vehicle and its spare parts: With Fully Comprehensive only.
- Windscreen (£25 excess for repairs or £100 for replacements): 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 cover for Hire and Reward, a type of insurance that lets drivers carry members of the public or goods for a fee. Private hire insurance covers pre-booked work. Public hire insurance covers licensed Hackney Carriage (black cab) drivers, who can also pick up passengers who hail them in the street. Zego offers both: see our public hire taxi insurance page for black cab cover.
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 offers both. This page covers Private Hire, and our public hire taxi insurance page covers black cabs. Both are explained on our taxi insurance page.
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. Buy with a single payment or monthly instalments (deposit required upfront).
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 a discount on your renewal price.
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 - 64
- You’ve had no more than 2 at-fault claims and/or more than 3 non-fault claims in the last 3 years
Sense our app-based telematics insurance.
Unlike standard policies, Sense is priced on how you drive, and uses sensors on your smartphone to measure your driving behaviours. Drive safely and get access to personalised quotes at renewal.
Sense is currently available with our personal car, private hire and van insurance for business or personal use policies.
Yes. This page covers private hire. If you drive a Hackney Carriage (black cab), see our public hire taxi insurance page. Our taxi insurance page explains both routes.
Both products give you the same core cover:
Hire and Reward (H&R) and Social, Domestic and Pleasure (SD&P) insurance, 30-day or annual options, Fully Comp or TPO, and single or monthly payments.
Sense also requires you to download the Zego app so your driving can be monitored - in return, you get a 17% upfront discount, access to rewards, and better renewal prices based on how you drive.
No. We insure individual drivers only, across car, van, taxi and delivery. If you run a private hire fleet and need several vehicles covered under one policy, you’ll need to arrange this with another provider.