Taxi insurance for good drivers
Get up to 27% off when you drive well with our app-based cover, Zego Sense
What is taxi insurance?
Taxi insurance covers private hire drivers who carry pre-booked passengers 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. It's a legal requirement for anyone working as a private hire taxi driver in the UK.
Choose between monthly and annual cover
Our private hire 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).
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’s included with your taxi insurance policy?
Third Party Only
Fully Comp
Private hire taxi 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)
Upgrade your private hire taxi cover with add-ons
Breakdown cover
Combined roadside, recovery and home cover within the UK.
£40
with annual
£8
with 30 day
Replacement vehicle
Get a replacement car – licensed for Private Hire work – while yours is being repaired.
£65
with annual
£10
with 30 day
NCD protection
Protect your no-claims years for a maximum of one at-fault claim.
7%
of the price of your premium
Choose who you work for
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 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.
Why do private hire taxi drivers choose Zego?
Flexible cover to suit you
Get cover for private hire taxi driving, delivery work, plus 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 multi-language support team will be happy to help.
Good drivers save more
Choose our app-based Zego Sense policy and get up to 32% off when you drive well. Because safe drivers should pay less.
What our customers say about us
Fantastic company! Affordable, hassle free and a great customer support team.
Great to know how driving carefully rewards you with lower premiums. This is the way forward!
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.