Fleet & Motor

Taxi & Private Hire Insurance

Specialist insurance for taxi drivers and private hire operators. Whether you drive a black cab, private hire vehicle, or work with rideshare platforms, we'll arrange cover that meets licensing requirements.

Request a Call-Back 01733 263311

Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Taxi Insurance Cover?

Taxi and private hire insurance provides protection specific to passenger transport. Coverage options include:

Public Hire (Hackney Carriage)

Cover for licensed black cabs and hackney carriages that can be hailed on the street or from ranks.

Private Hire (PHV)

Insurance for private hire vehicles that must be pre-booked through an operator or app.

Rideshare Cover

Specialist cover for Uber, Bolt, and other app-based rideshare drivers.

Public Liability

Protection against claims from passengers or members of the public.

Personal Accident

Cover for you if injured while working, providing income protection and medical expenses.

Breakdown Assistance

24/7 roadside recovery to minimise downtime and keep you earning.

Legal Expenses

Cover for legal costs in disputes or following accidents.

Loss of Licence

Financial protection if you lose your taxi licence due to medical reasons.

Replacement Vehicle

Temporary taxi while yours is being repaired following an insured incident.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Passenger Cover

Proper hire and reward cover for carrying passengers for payment – a legal requirement.

Licensing Compliant

Policies that meet local authority and TfL licensing requirements.

Flexible Options

Full-time, part-time, or occasional use policies to match your working pattern.

Platform Compatible

Cover that meets Uber, Bolt, and other rideshare platform requirements.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Hackney carriage (black cab) drivers
Private hire vehicle (PHV) drivers
Uber, Bolt, and rideshare drivers
Executive chauffeur services
Airport transfer operators
Taxi fleet owners
Wheelchair accessible vehicle operators
School and contract hire drivers

What We'll Need for Your Quote

1
Vehicle details (registration, make, model)
2
Taxi or PHV licence details
3
Local authority licensing area
4
Full-time or part-time use
5
Driver details and badge number
6
Claims and convictions history
7
Where the vehicle is kept overnight
8
Platforms or operators you work with

Get Your Quote

Frequently Asked Questions

What's the difference between public hire and private hire insurance?

Public hire covers hackney carriages (black cabs) that can be hailed on the street. Private hire covers PHVs that must be pre-booked. The licensing and insurance requirements differ, and you must have the correct cover for your licence type.

Do I need special insurance for Uber or Bolt?

Yes, you need private hire insurance that specifically covers rideshare work. Standard motor insurance doesn't cover carrying passengers for payment. Your policy must meet the platform's requirements and your local licensing authority's rules.

Can I use my taxi for personal use as well?

Most taxi policies include social, domestic, and pleasure use alongside your taxi work. However, you should check your policy wording – some may restrict personal use or require it to be declared.

What happens if I lose my taxi licence?

Loss of licence cover provides a payout if you lose your taxi licence due to medical reasons beyond your control. This can help cover lost income while you're unable to work. It doesn't cover licence loss due to driving offences.

Do I need public liability insurance as a taxi driver?

Public liability isn't legally required for taxi drivers, but it's strongly recommended. It protects you against claims from passengers (e.g., for injuries getting in/out) and can be required by some operators or licensing authorities.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.