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  • Policies for Owner Drivers
  • Monthly Private Hire Insurance Policies Available
  • All Levels of Cover Available
  • Taxi Fleet Insurance Policies for Private Hire Firms
  • Electric taxi private hire insurance
  • Public Liability Insurance
  • Legal Assistance

Private Hire Insurance Explained

Private hire insurance (or PHV insurance) is for drivers of minicabs and minibuses that are licenced to carry passengers for hire and reward. In London you may need PCO insurance.

Under the conditions of the licence, they cannot be hailed in the street and must be pre-booked or hired from a designated taxi rank.

Getting the right taxi insurance policy for your private hire taxi is essential whether you are operate in a major city like London, Manchester or Birmingham elsewhere in the country.

When you’re looking for private hire insurance online, it’s important to know exactly what it is you’re looking for. There are many types of cover that you can get with private hire insurance, PCO insurance  or PHV insurance which are covered in detail further down the page (including Uber driver insurance who will need private hire insurance).

The reason that private hire insurance is so important is that not only are you required by law to have it, but it is not possible to run a business without it. The dangers that private hire taxi drivers face on the roads are too great to leave things to chance. Not only do taxi drivers have to worry about other road users and the danger that they pose but also the risks that come from passengers too. A good private hire insurance policy will provide cover for all the risks that a taxi driver will face.

Helpful Links

National Taxi Association – Since 1960, this body has been helping to consult on all forms of taxi legislation in England and Wales.

National Private Hire Association – The NPHA is an organisation that provides useful support and help for cabbies everywhere.

Licensed Taxi Drivers’ Association – A membership group for taxi drivers, the LTDA is also a support group for those that work in the trade.

How Cost is Determined

The cost of a private hire policy will depend on a few different factors. Firstly will be the age, driving experience and claims history of the driver themselves. Next will be the value of the vehicle being driven and its current condition. Lastly will be the number of vehicles being insured on the policy. Often private hire operators will get all their vehicles insured under the same policy to save money and make paperwork easier.

Types of PCO Cover

  • Comprehensive – Comprehensive insurance is always recommended for taxi drivers. It covers you in all scenarios when there’s an accident.
  • Third Party Only  – This is the lowest level of cover you can get and still be in accordance with the law. It might be cheaper than comprehensive insurance but it’s not really adequate when you spend so much time on the road.
  • Breakdown Assistance – This is an extremely useful type of cover for taxi drivers. If you break down then you want to know that you’ll be back on the road again as quickly as possible.
  • Fleet Insurance – If you own a fleet of private hire taxis then it makes sense to insure them under one taxi fleet insurance policy. Not only does this make things much simpler if you need to make a claim but it can also save you a good deal of money.
  • Public Liability – It’s essential that you have public liability cover if you’re a taxi driver. There’s always the possibility that a passenger or member of public could make a claim against you and it can be devastating if you don’t have cover in place.

Did you know?

You can tailor your private hire taxi insurance policy to include the exact level of cover you need. If you want to save money, then getting a more basic policy is a good way to do this. You can also add additional types of cover to your policy, such as windscreen repair and breakdown recovery.

How You Can Save Money on you PHV Insurance

There are a few sure-fire ways to save money on private hire insurance. Below are three of the best:

  • Pay Annually – Most insurance providers will prefer if you pay for your policy for the whole year rather than monthly and will usually offer you a discount when you choose to pay like this
  • Make Your Vehicle Secure – To minimise the risk of theft, you should have an alarm and central locking on your cab. This shows insurance providers that the risk of theft is decreased and therefore they can offer you a cheaper price on your policy. 
  • Get Multiple Quotes – Getting multiple quotes means you get a clear idea of what you should be paying for a policy and gives you the ability to select the best policy at the best price

Getting multiple quotes is usually the best way to ensure you’re getting a good deal on your insurance. If you click the button below you’ll be able to receive multiple quotes from private hire insurance specialists.

Don’t have your registration number? No problem, click here.

Why Compare Private Hire Taxi Insurance

Those taxi drivers who work through an office and cannot legally pick up at the roadside will need to be in possession of private hire insurance. While this isn’t quite as costly as public hire vehicles it  still costs a pretty penny but you must have it in order to legally transport passengers. Those starting out should be looking out for the best deals around on private taxi hire insurance whereas those in the trade who maybe have got a bit apathetic towards their insurance company should also be having a look at what’s out there.

Highly tailored policies

Is your current policy lacking in some areas but has other things you will never want or need? Private hire insurance does not come in 1 size fits all and our panel pride themselves on highly tailored policies which contain everything you tell them that you do want and absolutely nothing that you don’t.

Compare Private Hire Taxi Insurance quotes easily

What is the easiest way to compare quotes for private hire insurance? Our way. Our user friendly website has made is quicker and easier than ever to compare all the quotes which have resulted from the answers you have given to the questions. Once you have been contacted by the panel of insurance providers, this can be in list form  with the prices and excesses etc clearly listed so you can make an informed decision as to which best suits you.

Save time and money on your Private Hire Taxi Insurance

If you are looking for private hire insurance you do not want to spend hours in front of a computer in your precious free time trying to find a good deal. From starting to answer our questions to the results appearing on your screen really does take a matter of 30 seconds. You shouldn’t have to waste time on saving money, and when you come to us you can rest assured you will be saving on both.

Multiple payment options for Private Taxi Insurance

It’s hard to believe in this day and age that some private hire insurance providers still insist on the premium being paid in one lump sum. The panel offers multiple payment options which give you flexibility and make it a lot easier on your bank balance.

Instant documentation

What is the point of getting quotes and selecting your private hire taxi insurance within minutes if you then have to wait for hours to get your documents through? Instant documentation means exactly that. You make your initial payment your documents arrive, simple as that. No messing about waiting or having to keep checking your emails, you pay the documents are sent; simple. The majority of the panel offer this facility.

Get private hire insurance quotes now

To get private hire insurance quotes from a panel of specialist insurance providers now, simply click the green button below.

Did you know?

There are several ways to reduce the cost of your private hire taxi insurance, such as paying for your policy upfront, having somewhere secure to park your taxi when you’re not using it and increasing the excess.

Don’t have your registration number? No problem, click here.

Private Hire Insurance FAQs

Do I need private hire insurance to drive a taxi?

Yes. Getting the right type of taxi insurance as a taxi driver is essential. A regular car insurance policy isn’t good enough when you’re using your vehicle for hire or reward.

What are the most important types of private hire insurance cover?

The most important cover for a private hire taxi is road risks. Having this is essential and will make your taxi road legal. Other important types of private hire taxi cover that you should seriously consider include public liability insurance, personal injury, loss of licence and breakdown assistance.

How much will my private hire taxi insurance cost?

The cost of a private hire taxi insurance policy will depend on a few different factors. Insurance providers will take the following into account when coming up with a price – the value of your vehicle, your driving history, your age, your taxi driving experience and the level of cover you take out.

Does Private Hire Taxi Insurance Include Public Liability Cover?

While public liability cover is not legally required, it is a good idea to take it. Generally, it is an optional extra, but many insurers recommend getting it anyway. It protects the driver against claims made by passengers and pays for the cost of any injuries that occur. You may also want to look into employers’ liability insurance, which will provide you with the same kind of coverage as public liability. This can help you avoid legal problems and protect your business. You can obtain a quote for taxi insurance by visiting Clean Green Compare online. You will need to know the area you work in so you can compare the different policies. Some policies do not cover work outside of their area, and others offer only partial coverage. Typically, the level of cover that you need for your business will depend on what type of vehicle you have and where you are operating. For example, some policies only offer full-coverage if you work in certain areas.

Is private hire insurance cheaper than public hire insurance?

In general private hire insurance is cheaper than public hire insurance since the risks associate with driving a private hire taxi are lower.

Do I need public liability insurance for my cab?

Private hire taxi insurance policies often don’t include public liability insurance as standard but it’s an incredibly important type of cover to have when you’re dealing with the general public. Public liability insurance will ensure that you’re financially protected in the event that a member of the public makes a claim against you. This could be due to death or injury because of dangerous driving or loss or damage of their property. Having public liability insurance added to your policy will give you full peace of mind that if you were to face a liability claim, you’d be able to defend yourself legally without being financially devastated by it.

How will I get my private hire insurance documents?

In most cases your private hire taxi insurance documents will be sent to you via email and in the post.

Does it make a difference to my private hire insurance which Plating Authority I operate under?

Insurance providers provide a quotation based on numerous factors which can include the area you operate in. Some the plating authorities are as follows: Brighton & Hove, Southampton, Bristol, Reigate and Banstead, Plymouth, Middlesborough, Kingston-upon-hull, Knowsley, South Gloucester, Peterborough, Crawley, Tameside, Huntingdon, Milton Keynes, Cardiff, Doncaster, Newport, Blackpool, Aylesbury Vale, Rotherham, Calderdale, Edinburgh, Sefton, Glasgow City, Stockport, Kirklees, Walsall, Durham, Trafford, South Tyneside, Wirrall, Warrington, Oldham, Newcastle Upon Tyne, Sheffield, Sandwell, Leicester, Wigan, Leeds, Stoke On Trent, Hackney, Blackburn With Darwen, Bolton, Rochdale