Compare Taxi Insurance Providers Private hire & public hire Uk Taxi Drivers
Last updated: June 2026.
What Is Taxi Insurance?
Taxi insurance is specialist cover designed for drivers who carry passengers for payment. Standard car insurance is usually not enough for taxi work.
- Specialist cover
- Passengers carried for payment
- Standard insurance is usually insufficient
Private Hire vs Public Hire
Private Hire
- Uber
- Bolt
- Minicabs
- Pre-booked journeys
Public Hire
- Black cabs
- Rank pickups
- Street hails
What Affects Taxi Insurance Costs?
- Driver age
- Claims history
- Taxi licence area
- Vehicle type
- Annual mileage
- Private or public hire work
Use our comparison page to review providers and partners. Quotes are completed on third-party websites.
Prices vary by driver, vehicle, location and provider. We do not show personalised prices on this site.
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Taxi Driver Insurance FAQs
Is taxi driver insurance expensive?
Taxi insurance is generally more expensive than standard private car insurance. Costs are higher because professional drivers spend significantly more time on the road, frequently drive in busy urban centers, and carry the financial and legal liability of transporting paying members of the public.
Can Uber drivers get taxi insurance?
Yes, Uber drivers can get a public hire (taxi) licence, provided they meet their local council's strict licensing criteria. While Uber drivers are legally classified as private hire drivers, there is no law stopping an individual from upgrading their credentials, switching sectors, or holding a dual badge (if permitted by the local authority).
What is the difference between private and public hire insurance?
| Features | Private Hire Insurance (Uber) | Public Hire Insurance (Black cabs) |
|---|---|---|
| Booking Types Covered | Pre-booked app/phone trips only | Street hails, taxi ranks, and pre-bookings |
| Average Premium Cost | High | Very High (due to higher risk exposure) |
| Public liability | Standard inclusion | Higher limits typically required by councils |
Does CompareFlow sell insurance?
No. CompareFlow provides comparison information and links to third-party quote providers.
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