TAXI INSURANCE

Private Hire taxi 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 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.

Our private hire insurance provides all-in-one cover - protecting licensed taxi drivers when they carry passengers, transport food and parcels, or use their vehicle for personal journeys. Drivers can buy fully comprehensive or third party protection. Here are the main differences:

- 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, our all-in-one private hire insurance covers you when carrying passengers, food or parcels, and when using your vehicle for social and domestic purposes.

There are two types of taxi insurance in the UK:

1. Private hire insurance covers licensed taxi 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 taxi 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 currently does not offer public hire insurance.

Our private hire taxi 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 9 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 up to 27% off the price before a Sense discount is applied.

Get your quote in under a minute, then purchase online or over the phone. No office visits needed, and minimal paperwork. If you can say ‘yes’ to the points below then our private hire insurance could be 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

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

Our app measures how you drive over time and works out your driver score. The better you drive, the less you pay at renewal.

Once you've downloaded Zego Sense, we’ll give you 10% off upfront to get you started - you can save up to 27% when you drive safely*.