PRIVATE HIRE TAXI INSURANCE

Taxi insurance for good drivers

Get up to 27% off when you drive well with our app-based cover, Zego Sense.

  • Drive safely and earn a discount at renewal

  • All-in-one cover for taxi work and personal driving

  • Manage everything online or in the app

Get a quote
Smiling Zego private hire taxi driver sat in his car
Smiling Zego private hire driver in his car

What is private hire taxi insurance?

Private hire insurance is cover for taxi drivers who carry pre-booked passengers in return for payment (it’s also known as ‘hire and reward’). If you're a taxi driver work for a ride-hailing app like Uber or Bolt, you’ll need private hire taxi insurance.
Depending on the level of insurance you choose, it can cover you and your vehicle, plus other people and their property.

Choose between monthly and annual cover

Our private insurance covers you for work and personal driving. That’s Hire and Reward (H&R) plus Social, Domestic and Pleasure (SD&P) cover in one simple insurance policy.

  • Monthly (30 days)

    • Short-term insurance cover.

    • Includes personal (SD&P) and hire and reward (H&R) insurance.

    • Buy with a single payment.

  • Annual (12 months)

    • Long-term, cost-effective cover.

    • Includes personal (SD&P) and hire and
reward (H&R) insurance.

    • Buy with a single payment or 9 monthly instalments (deposit required upfront).

Smiling Zego taxi driver with an 'excellent' driver score

Good drivers get discounts

Sense is our app-based telematics policy. Drive safely and you could save money when you renew. Insurance that rewards good driving? Now that makes Sense.

  • 100% app-based policy — no black box needed

  • Get a score to show how well you drive

  • Plus insights to help you drive more safely

  • Save 14% upfront, just for choosing Sense

  • Then drive well to save more at renewal

Choose between Third Party Only and Fully Comprehensive

  • Fully Comprehensive

    This is the top level of cover. If you’re involved in an accident, it protects you and your vehicle, plus other people and their property. You’ll also be covered for legal fees and compensation payouts if you’re found to be at fault.

  • Third Party Only

    Third Party Only covers other people and their property, but it doesn’t cover you. So you’re protected if someone gets injured and tries to sue you, but you won’t be covered if you get hurt or your car gets damaged.

What’s included with your private hire insurance policy?


Third Party Only

Fully Comp

Private hire work, food and parcel delivery work, plus personal driving

Unlimited liability for causing damage to other vehicles or property while driving

Unlimited liability for causing injury or death to other people while driving

Public liability cover up to £10m

Loss, damage or theft of your vehicle and its spare parts

Windscreen (£25 excess for repairs or £100 for replacements)

Audio, communication, and navigation equipment cover (£500 limit)

Upgrade your private hire cover with these extras

  • Breakdown cover

    Combined roadside, recovery and home cover within the UK.

    £40

    with annual

    £8

    with 30 days

  • Replacement vehicle

    Get a replacement car – licensed for private hire work – while yours is being repaired.

    £65

    with annual

    £10

    with 30 days

  • NCD protection

    Protect your no-claims years for a maximum of one at-fault claim.

    +7%

    of the price of your premium

Save up to 27% with Sense

Zego Sense is our app-based insurance for good drivers. The better you drive, the less you pay.
Simply choose ‘Sense’ at the checkout when you buy your policy.

1. Download the Sense app

You'll need the Zego Sense app to use a Sense policy. Download it, activate your policy, and we'll give you 14% off to get you started.

2. Start driving

Our app measures how you drive over time to give you a driver score. The better you drive, the less you pay at renewal.

3. Get up to 27% off

Good drivers pay less with Sense. Build your driver score and get up to 27% off the price before a Sense discount is applied.

Choose who you work for

Uber logoFreeNow logo
Ola delivery logoAutoCab logo
Bolt logo

Why we're the right choice

65m

policies sold

445k

drivers have chosen us

What our customers say about us

Fantastic company!
 Affordable, hassle free and a 
great customer support team.

Pedro, Uber drivertrustpilot review logo

Great to know how driving carefully rewards you with lower premiums. This is the way forward!

Muhammed, Ola drivertrustpilot logo

I got my first private-hire insurance with Zego. Price was very cheap as compare to other companies. Customer service explained everything very professionally and were very friendly throughout the process.

Flavius Botar, Private Hire Drivertrustpilot logo

Frequently asked questions

Trusted by 100,000’s of UK drivers

Join the good driving revolution. Get a quote to see how much you could save.
Get a quote

14% applies only to new customers joining Zego for the first time.
27% discount is the maximum that can be achieved by Sense policyholders who have a driver score of 95 and above, as of 15/05/24.

"65 million...” – Based on the total number of policies sold by Zego as of 21/05/24
“445K drivers...” – Based on the number of fixed policies sold by Zego as of 21/05/24