Public Hire Taxi Insurance

What is Public Hire Taxi Insurance?

Public hire insurance is specialist taxi insurance cover designed for taxis that can pick up passengers directly from the street or at taxi ranks, without pre-booking. This includes London black cabs, hackney carriages, and licensed street taxis working across the UK. Public hire policies help you stay legal, protect your vehicle against damage or theft, and cover your liability to passengers and the public. It’s flexible cover that helps keep your business moving—and your income protected—on every shift.

What the experts say…

"Driving a public hire taxi means being ready for anything. Specialist insurance is what keeps you, your passengers, and your cab safe on every job."

– Ian Beevis, Founder of Clean Green Compare

What’s Covered by Public Hire Insurance?

Public hire insurance protects you for all the risks that come with picking up passengers on the street or at taxi ranks. Here’s what most policies include:

Public hire use – Legal cover for street and rank pickups by licensed hackney carriage or black cab drivers.
Third party liability – Covers injuries or damage you cause to others while working as a public hire taxi driver.
Comprehensive, third party fire and theft, or third party only – Choose how much protection you want for your own cab, from full cover to the legal minimum.
Passenger liability – Protection against claims made by passengers for injury or loss in your cab.
Windscreen and glass – Repairs or replacement for your taxi’s glass, so you’re not off the road after a chip or crack.
Plated replacement vehicle – Some insurers provide a licensed taxi if yours is out of action after a non-fault claim.

The right level of cover keeps you driving, earning, and meeting your local licensing rules—choose what fits your cab and your work.

Add-ons for Public Hire Taxi Insurance

Add-ons help you shape your public hire policy to match your day-to-day needs. Only pay for the extras that matter most.

Optional cover for legal help after an accident or dispute, so you’re not left out of pocket.

Roadside assistance and recovery to keep you moving, even if your cab won’t start or breaks down.

Pays out if your taxi keys are lost or stolen, so you don’t lose work.

Extra protection if someone is injured or property is damaged around your cab.

Provides income support if you’re unable to work after an injury.

May be available with some policies—check if you can protect your discount after a claim.

Always check what’s included and only add the features you really need. Tailoring your policy means you only pay for what matters to you.

Exclusions – What’s Not Covered?

Every public hire policy has some limits. Make sure you know where your cover stops before you hit the road.

Private hire work – Public hire insurance won’t cover pre-booked jobs (use private hire insurance for those).
Unlicensed driving – No cover if you’re not fully licensed or up to date with council requirements.
Unlisted drivers – Only drivers named on the policy are covered—don’t share your cab unless you update your insurer.
Personal use – Not all public hire taxi policies cover private journeys—ask your insurer if you want both.
Non-disclosure – Not declaring claims, accidents, or convictions could void your policy.
Wear and tear – General wear, breakdowns, and faults aren’t usually covered unless you add breakdown protection.

Always check your policy wording for full details, and speak to a specialist if you have unique requirements.

Who Needs Public Hire Taxi Insurance?

Public hire insurance is a legal must-have for anyone driving a hackney carriage, black cab, or street taxi in the UK. If you can pick up passengers without a booking, you need this cover.

Black cab drivers – Licensed to pick up fares on the street or at taxi ranks in cities like London, Manchester, and Liverpool.
Hackney carriage drivers – Public hire cabs operating in towns and cities across the UK.
Street taxi operators – Drivers who can legally accept hails and work taxi ranks.
Licensed taxi fleets – Fleets running multiple public hire vehicles and drivers.

If you want to pick up passengers without pre-booking, you need public hire insurance before you start earning.

Get Public Hire Taxi Insurance Quotes Today

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How to Get a Public Hire Taxi Insurance Quote

Getting a public hire insurance quote is fast and straightforward. Here’s what you’ll need to get started.

Vehicle details –

Share your taxi’s registration, make, model, and year.

Taxi licence info –

Provide your badge number and licensing authority.

Driver profile –

Add all drivers to be covered, with experience and claims history.

How you use your taxi –

Tell us where you work, your hours, and typical shift patterns.

Cover choices –

Pick your level of cover and any extras you want included.

Compare quotes –

Review your options and choose the policy that suits your taxi and budget.

How Much Does Public Hire Insurance Cost?

Public hire insurance costs depend on a range of factors. Knowing what affects your price can help you plan ahead.

Your experience and claims record – More years behind the wheel and a clean record can mean lower premiums.
Your age – Younger or less experienced drivers usually pay more.
Your cab’s type and value – Newer, specialist, or high-value taxis are often more expensive to insure.
Where you work – Operating in busy cities or higher-risk areas can increase your premium.
Your annual mileage – More miles means more risk, so higher mileage can mean higher costs.
Your cover and add-ons – Comprehensive policies and extras like breakdown cover or legal protection add to the price.

Every driver is different, so the best way to find your price is to compare real quotes based on your cab and your work.

Ways to Save on Public Hire Taxi Insurance

You could keep more money in your pocket with a few smart steps. Here’s how to bring down the cost of your public hire taxi insurance.

Compare quotes every year –

Don’t just renew—shopping around means you can see new prices and deals.

Upgrade cab security –

Alarms, dashcams, trackers, and CCTV could help reduce your premium.

Pay annually –

Paying all at once usually costs less than monthly instalments.

Add only the drivers and extras you need –

Keep your policy lean to avoid unnecessary costs.

Build your no claims bonus –

Safe, claim-free driving is rewarded with bigger discounts.

Increase your excess –

A higher voluntary excess can lower your premium, if you can afford it.

A little effort comparing and tailoring your policy could make a big difference to your annual cost.