Private hire taxi insurance for good drivers

Get up to 32% off when you drive well with our app-based cover, Zego Sense.

Looking for private hire insurance? Get a personalised quote in just a few minutes

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.

30 day monthly taxi insurance

30 Days

From £144*

  • Short-term insurance cover.
  • Includes Personal (SD&P) and Hire and Reward (H&R) insurance.
  • Buy with a single payment.

Get a quote
Annual taxi insurance policy

Annual (12 months)

From £1,349*

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

Get a quote

Choose between Third Party Only and Fully Comprehensive

white taxi outside business in london

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.

two private hire taxi drivers insured by zego

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 its spare parts

Windscreen (excess £50)

Audio, communication, and navigation equipment (excess £500)

Upgrade your private hire cover with add-ons

breakdown cover vehicle

Breakdown cover

Combined roadside, recovery and home cover within the UK.


with annual


with 30 day

replacement car vehicle

Replacement vehicle

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


with annual


with 30 day

No claims discount protection

NCD protection

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


of the price of your premium

Choose who you work for

Save up to 32% with Zego Sense

Zego Sense app dashboard

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

Learn more about Sense

How it works

Zego Sense app driver score dashboard showing 'excellent'

Download the Zego 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.

Zego Sense app insights dashboard

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.

Zego Sense app renewals dashboard showing 32% discount

Drive well and get 
up to 32% off

Good drivers pay less when they renew – get up to 32% off the price before a Sense discount is applied.

Why drivers choose Zego

Flexible cover

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.

Customer support

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.

Savings and discounts

Good drivers save more

Choose our app-based Zego Sense policy and save up to 32% 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.

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

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.
32% discount is the maximum that can be achieved by Sense policyholders who have a driver score of 95 and above, as of 05/09/23.
Over 52 million policies sold - based on the total number of policies sold by Zego until 18/05/23.