Private Hire Insurance

If you work as a private hire driver, standard car insurance is not enough. Whether you drive for Uber, Bolt or a local operator, you need specialist private hire insurance designed for carrying passengers for payment.

At Gomigo, we help private hire drivers across the UK get reliable cover quickly, simply and without the waffle.

Whether you’re a new driver starting out or an experienced taxi driver looking to save money on your premium, we can help you find the right private hire insurance policy for the way you work.

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What Is Private Hire Insurance?

Private hire insurance is specialist taxi insurance for drivers carrying passengers on pre booked journeys.

Unlike public hire taxis or black cabs, private hire vehicles cannot legally pick up passengers from the street or taxi ranks. All journeys must be booked in advance through an operator or app such as Uber or Bolt.

Private hire vehicle insurance is a legal requirement for:

  • Uber drivers
  • Bolt drivers
  • Minicab drivers
  • Chauffeurs
  • Executive transport drivers
  • Other private hire drivers operating in the UK

Standard car insurance or personal car insurance does not provide the right cover for transporting passengers commercially.

Private hire insurance policies are specifically designed to protect drivers against the additional risks involved in taxi driving, including:

  • Passenger claims
  • Accidents
  • Theft
  • Injury claims
  • Public liability claims
  • Damage involving third parties

Depending on your policy, your insurance cover may include:

  • Private hire taxi insurance
  • Public liability cover
  • Replacement vehicle options
  • Fire and theft protection
  • Personal use cover
  • Comprehensive cover
  • Legal protection
  • PCO insurance options

Private Hire Insurance v Public Hire Insurance

Understanding the difference between private hire and public hire insurance is important when choosing the right cover.

Private Hire Insurance

Private hire drivers:

  • Operate on pre booked journeys only
  • Cannot pick up passengers from the street
  • Usually work through apps or operators
  • Require private hire vehicle insurance

This includes:

  • Uber drivers
  • Bolt drivers
  • Minicab drivers
  • Chauffeur services

Public Hire Insurance

Public hire taxis:

  • Can pick up passengers from the street
  • Can wait at taxi ranks
  • Include black cabs and hackney carriages
  • Require public hire insurance

The level of insurance needed depends on the type of transport service you provide and your licensing requirements.

If you’re unsure about the difference, our team can help explain your options clearly.

 

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What’s Included In Private Hire Insurance

Private hire insurance cover can vary depending on the insurer, vehicle and level of cover selected.

Third-Party Only

Third-Party Only is the minimum level of insurance legally required. It covers damage or injury caused to other people, passengers, vehicles or property, but does not cover damage to your own vehicle.

Third-Party, Fire & Theft

Third-Party, Fire & Theft includes third-party protection plus cover if your vehicle is stolen or damaged by fire.

Comprehensive Cover

Comprehensive private hire insurance includes Third-Party, Fire & Theft protection along with additional cover for accidental damage to your own vehicle depending on the policy wording.

Public Liability Cover

Public liability insurance helps protect private hire drivers if a passenger or member of the public suffers injury or property damage linked to your business activities.

Replacement Vehicle Cover

Some private hire insurance policies may include access to a replacement vehicle while your insured vehicle is being repaired following an accident or fault claim.

Personal Use Cover

Many private hire policies also include personal use cover, allowing drivers to use their vehicle outside of work depending on the insurer and policy selected.

Why Choose Gomigo?

At Gomigo, we understand the pressure private hire drivers face every day. Long hours, busy roads and keeping your vehicle moving all matter when your income depends on staying on the road.

Why drivers choose Gomigo:

  • Fast private hire insurance quotes
  • Friendly UK-based support
  • Access to trusted insurers
  • Reliable cover for Uber and Bolt drivers
  • Help understanding policy wording and level of cover
  • Support for new and experienced taxi drivers
  • Flexible payment options available
  • Cover for UK taxi drivers across multiple vehicle types
  • No call centres, just genuine people ready to help

We aim to make getting insured simple, so you can focus on your passengers and your business.

Get A Private Hire Insurance Quote Today

Looking for reliable private hire insurance that works around the way you drive?

Whether you operate independently, work through Uber Bolt platforms or manage multiple drivers, Gomigo can help you find the right private hire cover quickly and without the hassle.

We can help with:

  • Private hire taxi insurance
  • Uber and Bolt insurance
  • PCO insurance
  • Comprehensive cover
  • Public liability protection
  • Replacement vehicle options
  • Insurance for new and experienced drivers

 

Get in touch today

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Private Hire Insurance FAQs

Can I use standard car insurance for Uber or Bolt?

No. Standard car insurance does not provide cover for private hire work or carrying paying passengers.

What is the difference between private hire and public hire insurance?

Private hire insurance covers drivers operating pre booked journeys only, while public hire insurance covers taxis that can pick up passengers from the street or taxi ranks.

What does private hire insurance cover?

Depending on the policy selected, cover may include:

  • Passenger protection>
  • Public liability
  • Fire and theft
  • Accidental damage
  • Replacement vehicle cover
  • Personal use cover
  • Legal protection

How much does private hire insurance cost?

Taxi insurance cost can vary depending on:

  • Driving history
  • Claims history
  • Vehicle type
  • Driver age
  • Location
  • Level of cover selected
  • Annual mileage
  • Claims discount or no claims bonus

Can London drivers get PCO insurance?

Yes. We can help London drivers find PCO insurance that meets Public Carriage Office licensing requirements.

Does private hire insurance include personal use?

Many private hire insurance policies include personal use cover, but this varies depending on the insurer and policy wording.

Can I get comprehensive private hire insurance?

Yes. Comprehensive cover options are available and may provide protection for your own vehicle alongside third-party cover.

What happens if I have an accident while working?

If you have the correct private hire insurance in place, your insurer will assess claims involving passengers, third parties or vehicle damage based on your policy wording and level of cover.

Can new private hire drivers get insured?

Yes. GoMigo can help both new and experienced private hire drivers find suitable insurance cover.

Can I get cover for Uber and Bolt on the same policy?

Many insurers allow drivers to work across multiple private hire apps including Uber and Bolt, depending on the policy terms.