Private Hire Taxi Insurance

Compare Private Hire Taxi Insurance from specialist UK insurance providers

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Compare Private Hire Taxi Insurance

We work with specialist private hire taxi insurance providers in order to help you find cheap insurance for your taxi! Insuring your taxi can be quite expensive if you use the wrong provider. Working with a number of specialist providers, we can save you from making that mistake.

What is Private Hire Insurance?

Private Hire Vehicle Insurance is an insurance policy for taxi drivers that have been pre-booked by their client in advance of the lift being required. It is also often known as private hire and reward insurance.

Services such as Uber, and cabs that work from a taxi base come under this classification. Private hire taxis cannot be flagged down in the street like a traditional black-cab style taxi. These types of taxis come under public hire insurance.

Private Hire Cover Levels

Like any policy, insurance for private hire taxi’s can be completely tailored to your exact needs. What suits one driver may not suit you. Private hire taxi cover is the same as taxi insurance, just specific to private hire drivers. You can though insure your taxi under the following.

Third Party only (TPO)

A third party policy is the basic level of insurance you are allowed to operate with as a taxi driver.

It will cover things such as your passengers and anyone to which you may injure within an accident you may cause.

Third party, fire & theft (TPFT)

The cover is the same as TPO but also for fire and theft of your vehicle.


This provides the same as TPFT but also covers you and your vehicle. However, our network of brokers can tailor a policy to fit your individual needs at the most competitive prices.

Optional Extras for your Private Hire Taxi Policy

Being a taxi driver can lend itself to a multitude of unpredictable events. Having suitable additional insurance covers is an extremely smart move when taking out a private hire policy.

Some of the options available to you are:

Motor legal insurance allows you to protect yourself with up to £100,000 of legal motor cover. This includes personal injury cover, the potential recovery of uninsured losses and a guaranteed replacement for your damaged vehicle.

Taxi breakdown insurance

Breakdowns are as unpredictable as they come. They hit taxi drivers especially hard seeing as your car is your livelihood. With taxi breakdown cover, you can be back on the road in no time. If repairs to the car can’t be made at roadside, recovery agents will get you to a local garage to undergo repairs.

Excess protection

Excess protection simply covers you for excess amounts if you are hit by an uninsured driver. It will also cover you for if you are at fault.

Public liability insurance

Public liability cover protects you against claims from the public in the event of an accident. It is a legal requirement that you have cover for carrying passengers.

Taxi Fleet Insurance: If you need to insure more than 1 taxi, it may be worth you taking out taxi fleet insurance.

How to get Private Hire Taxi Insurance

Getting insurance for a private hire taxi is easy. Simply fill out our online form or give us a call and one of our expert advisors will instantly start looking into who will help you the most.

Cheap Private Hire Taxi Cover

Being able to gain a cheap private hire taxi insurance policy is not always easy. Accepting the fact that taxi drivers do more miles than regular drivers means that premiums are obviously going to be a little higher.

However, there are a few things you can do to help reduce the cost of your taxi insurance premium.

Reducing the cost of your private hire insurance

There are several ways that you can reduce the cost of your policy. Below are a few ways for you to consider.

Drive safely and avoid convictions

This may seem obvious, but many taxi drivers throw caution to the wind when it comes to driving and rack up penalty points before they change their ways. These points cost a lot when it comes to taxi cover. Drive legally and lawfully and your premiums will stay lower.

Avoid Claiming

If it is not essential that you claim, then it is suggested you don’t. Claims on your policy will cost a lot more in the long run. Sure, it is annoying to scuff your bumper heavily but if you can cover the cost of the repair to your taxi yourself, then in the long run it will probably work out cheaper. When you have a good no claims bonus, your policies can start to become really competitive and much cheaper.

Choose a sensibly priced car

Cheap vehicles used for private taxi driving don’t always mean cheap policies. That is not to say buy the most expensive car available though. By purchasing and using a sensibly priced car such as a Toyota Prius or Ford Mondeo for instance will see you benefit from a much better premium.

Compare Private Hire Taxi Cover

Comparing quotes is essential is you are to find a cheap or competitive policy. It is a basic and simple process that is often overlooked. By comparing your insurance, you can find different policies at different prices and make an informed decision as to what policy you would like to opt for.

Why Choose Us?

Total insurance has undergone years of refinement and client-relations building to fully eliminate the stress of searching for a new private hire insurance at the lowest prices.

We have built up relations with a large number of insurance brokers over a multitude of years who work with a large panel of insurers. Working with insurance specialists like this means that not only can we find you a broker that can tailor a policy to your specific needs, but we can also find a broker that can do it at the most competitive price on the marketplace.

As well as this, our vetting system is extremely straightforward and easy, and our customer care team have decades of experience.

The private hire brokers we connect you with are authorised and regulated by the financial conduct authority to ensure you are looked after the best way possible.