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Whether you drive a public hire black cab or a private hire vehicle through an app like Uber or Bolt, it is very important to have the right taxi insurance. Just like you compare car insurance for normal driving, you need to ensure that your taxi policy meets your needs.

What Is Taxi Driver Car Insurance?

Taxi driver insurance is a unique kind of policy for those who transport passengers for a fee. It is not like regular insurance. This policy is meant to cover more annual mileage as well as longer hours of work. It also considers the extra risks involved when carrying passengers in the car.

In the UK, you need to have the right taxi cover if you want to earn money by driving passengers.

What’s the Difference Between Public and Private Hire?

It is key to know your licence type when choosing the right insurance.

  • Private Hire Insurance – This is for drivers who take passengers that they booked through apps, phone calls, or dispatch services. They cannot pick up passengers from the street.
  • Public Hire Insurance – This is for taxis, like black cabs, that can legally pick up passengers from the street or from taxi ranks without a prior booking.

Both types require specific coverage. This depends on your licence and the way you work.

What Types of Taxi Insurance Are Available?

Cover Type What It Includes
Third Party Only Covers damage to other vehicles or injuries to others
Third Party, Fire & Theft Adds cover for theft or fire damage to your taxi
Comprehensive Full protection, including for your own vehicle if you're at fault

Policies that offer a wide range of coverage usually give you the best value over time. They also bring peace of mind.

What Types of Taxi Insurance Are Availabl

Most taxi policies can include:

  • Public liability insurance – This protects you from claims about injury or damage made by passengers or the public.
  • Legal expenses cover – This helps pay for costs related to legal disputes or claims.
  • Breakdown assistance – This ensures you are not left stranded during work hours.
  • Taxi fleet insurance – This is designed for operators who manage several vehicles at once.
  • Cover for personal use – This applies when you drive your taxi outside of work hours.
  • Personal accident cover – This offers protection if the driver gets seriously injured.

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What Affects the Cost of Taxi Insurance?

Factor Impact on Premium
Type of hire Public hire tends to cost more than private hire
Mileage More driving increases the risk
Driver’s age & record Experienced drivers often pay less
Operating location Cities tend to have higher premiums than rural areas
Vehicle type Modified or high-value vehicles cost more
Claims history A clean record lowers your premium

The usual cost for private hire taxi insurance is between £1,500 and £3,000 each year. This price can change depending on several factors.

What is the best way to compare taxi insurance?

The easiest way to check car insurance for taxi drivers is by using a comparison site like Free Price Compare. These sites help you see policies that fit your licence type, vehicle, and how you use it. This makes it easy to find the best value and coverage in just a few minutes.

How to Get Cheaper Taxi Insurance

How to Get Cheaper Taxi Insurance

To reduce your premium:

  • Check quotes from different providers.
  • Increase your voluntary excess.
  • Install a dash cam or vehicle tracker.
  • Maintain a clean driving record.
  • Refresh your policy information.
  • Compare car insurance regularly to stay competitive.

Are Add-Ons Worth It?

Optional extras may increase your premium. However, they might be worth it.

  • Public liability cover – It is important for keeping passengers safe.
  • Breakdown cover – This helps you avoid losing money from breakdowns.
  • Personal accident cover – This is necessary if you rely on driving for work.
  • Taxi fleet insurance – It is ideal for businesses that manage several cars.

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Insurance for App-Based Drivers (Uber, Bolt & More)

If you work for private hire apps, you need private hire taxi insurance. This insurance must include:

  • Business use
  • A valid taxi licence from your local council
  • Optional coverage for comprehensive or third-party fire and theft

Standard car insurance does not cover driving for apps like ridesharing. It is better to pick a specific taxi policy for that.

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Find Affordable Cover: Compare Car Insurance Quotes UK.

Correct as of 29 April 2025

FAQs About Taxi Driver Car Insurance

Taxi insurance is needed for cars that take passengers for pay. Regular car insurance does not cover this situation. Therefore, it won’t work if you are a taxi driver.

Yes, many taxi insurance plans do include coverage for personal use. However, you should talk to your provider to make sure it’s part of the policy.

It is not included by default, but it is a good idea to have this protection. It helps you if passengers get hurt or if there is any damage to property while you are working.

Get a no claims bonus by driving carefully. Look at insurance quotes regularly. Consider adding safety tools like dash cams or trackers. These can help lower your premium as time goes on.

Private hire insurance and public hire insurance are different. It's essential to make sure your insurance policy matches your taxi licence and the way you operate.

Correct as of 02 April 2025

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Page last updated on: 23/09/2025

Page reviewed by: Shay Ramani

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