Taxi insurance for the way you work
Get up to 27% 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 does taxi insurance cover?
Taxi insurance provides cover for professional drivers who carry pre-booked passengers (or food and parcels) in return for payment. It’s also known as hire and reward insurance.
It covers you for any damages or vehicle repairs if you’re involved in an accident, as well as legal expenses if somebody gets injured.
Why do I need taxi insurance?
Because taxi drivers carry passengers in exchange for money, there are additional risks that need to be considered by your insurer. These risks aren’t covered by your regular car insurance (also known as social, domestic and pleasure), so you’ll need a hire and reward policy, too.
Say a passenger trips while getting out of your car, or you accidentally damage someone’s property while making a delivery. You’ll need the right cover to keep you protected. That’s why private hire taxi insurance (or hire and reward) is needed. It covers you while using your vehicle for work.
We're partnered with work providers including...
Choose between monthly and annual cover
Our Taxi 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 policy.
30 Days
- Short-term insurance cover.
- Includes Personal (SD&P) and Hire and Reward (H&R) insurance.
- Buy with a single payment.
Annual (12 months)
- 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 (deposit required upfront).
What’s included with your taxi insurance?
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 cover up to £10m
Loss, damage or theft of your vehicle and its spare parts
Windscreen (£25 excess for repairs or £100 for replacements)
Audio, communication, and navigation equipment (excess £500)
Choose between Third Party Only and Fully Comprehensive
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. 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.
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 types of taxi insurance are available?
When getting taxi insurance quotes, you'll usually have three types of policies to choose from: Third party only, Third party, fire & theft and Fully comprehensive.
Third party only
If you’re involved in an accident, third party insurance protects other people and their property, but it doesn’t cover you.
It pays to repair or replace other drivers’ vehicles, and it usually includes public liability insurance to cover any legal fees if someone gets hurt.Third party, fire & theft
By adding fire and theft protection, you’ll get all the cover of third party only, plus protection in case your vehicle is stolen or damaged by accidental fire.
Fully comprehensive
This is the top level of cover. It protects you and other drivers if you’re involved in an accident, including the repair and replacement of vehicles and any legal liability costs.
Fully comprehensive also includes cover for broken windscreens and the replacement of audio, communication and sat-nav equipment if it gets stolen.
Things insurers use to calculate your cover
Your age and driving record
The type of vehicle you use
Any previous claims or accidents
Your no claims history as a taxi driver
Where your vehicle is kept when not in use
How can I lower the cost of my taxi cover?
Generally, the more expensive and powerful your vehicle, the more you pay. Too many claims and penalty points on your licence also drive up the price. Younger taxi drivers usually pay more. And no NCD means you pay a higher renewal cost.
Here's what you can do to lower the price tag.
Your vehicle
Choose a modestly priced vehicle with a smaller engine size.
Your licence
Try to keep your licence free from points.
Extra protection
Buy NCD protection to keep your discount if you have an accident.
Save up to 27% with Zego Sense
Zego Sense is our app-based insurance for good drivers. Unlike standard policies, Zego Sense is priced on how you drive.
Learn more about Zego Sense
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.
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.
Drive well and get up to 27% off
Good drivers pay less when they renew – get up to 27% off the price before a Sense discount is applied.
Things to consider when getting taxi insurance
Breakdown cover
We offer breakdown cover as an add-on to your Zego taxi insurance policy, so if your vehicle breaks down or you get a puncture, we'll get you home safely.
Personal driving cover
Our private hire taxi insurance includes both hire and reward (H&R) and social, domestic and pleasure (SDP) as standard.
Windscreen cover
Our fully comprehensive taxi insurance includes windscreen cover as standard. It’s that extra peace of mind when you’re on the road.
Public liability insurance
Choose taxi insurance with Zego and you’ll get public liability insurance covering you for up to £5m.
Why do taxi drivers choose Zego?
All-in-one insurance
Get cover for private hire work, food and parcel deliveries, and personal use. All in one simple policy.
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.
Good drivers save more
Choose our app-based Zego Sense policy and save up to 32% when you drive well. Because safe drivers should pay less.
Frequently asked questions
27% discount is the maximum that can be achieved by Sense policyholders who have a driver score of 95 and above, as of 15/05/24.