Private Hire Insurance
Reliable private hire insurance for pre-booked passenger work, including cover for Uber, Bolt, and UK council licensing.
Cover designed for private hire drivers
- Annual policies
- Comprehensive; Third Party, Fire & Theft; or Third Party Only
- Fast food and courier use, including Uber and Bolt
- 24/7 UK accident & claims reporting line
- Pay in full or pay monthly
- Glass windscreen cover* (Available on Comprehensive Cover only)
- Public liability insurance for taxi drivers*
- Specialist cover, even if you have got points on your licence
*Subject to Terms & Conditions.
Our levels of cover
Choose a level of cover that suits your needs:
Third Party Only
Third Party, Fire and Theft
ComprehensivePrivate hire work, food and parcel delivery work, plus personal driving
Public liability insurance for £5m cover as standard on annual policies
Medical expenses for your passengers (up to £100 each, £400 maximum)
Motor Legal Protection (up to £50,000)
Loss or damage to your vehicle caused by fire, theft or attempted theft
Glass windscreen cover
More information on cover is available in the Insurance Product Information Document and Policy Booklet which can be accessed via our Documents section.
Enhance your cover with optional extras
All of our taxi policies are subject to terms and conditions so please take the time to read our full terms and conditions before taking out a policy.
UK Breakdown Cover
Assistance to keep you moving across the UK
Taxi Hire Cover
A replacement taxi if your vehicle is off the road due to damage or theft
No Claims Discount Protection
Designed to help preserve your discount if you need to make a claim
Keycare
Cover for lost or stolen taxi keys, including replacement locks if required
Public Liability Cover
Additional cover for incidents involving members of the public
Europe Breakdown Cover
Extended assistance across Europe, giving you support when driving further afield
What people are saying
Frequently asked questions
What is Private Hire insurance?
Private hire insurance is a type of taxi insurance for drivers who only take pre-booked journeys (e.g., through Uber, Bolt, or a minicab office). It is different from public hire insurance, which covers black cabs or hackney carriages that can be hailed on the street.
Does private hire insurance cover Uber and Bolt drivers?
Yes. Private hire insurance arranged by us is designed for pre-booked work and can include cover for drivers working with platforms such as Uber and Bolt.
Does Private Hire insurance cover food and parcel delivery?
Food and parcel delivery cover is included as standard with every policy arranged by Flag Insurance (Brokers) at no extra cost. With some providers, you may need to add this cover separately, but with us it’s included from day one.
Does Private Hire insurance cover me for personal use?
Yes, all taxi policies we arrange include Social, Domestic and Pleasure use as standard, so you can use your vehicle for both personal and work-related journeys under one policy.
What does PCO insurance mean?
“PCO insurance” is a term commonly used in London. The name comes from the former Public Carriage Office (PCO), who were responsible for licensing private hire drivers and is now part of Transport for London (TfL). In practice, PCO insurance and private hire insurance are the same thing – cover that allows you to legally carry paying passengers.