Public Hire Taxi Insurance

If you drive a black cab, hackney carriage or other public hire taxi, you need specialist insurance designed for transporting passengers.

At Gomigo, we help taxi drivers across the UK get the right public hire taxi insurance quickly and without the waffle. We’re here to help you find taxi insurance cover that works for you.

We know time is money in the taxi business. That’s why we aim to make getting insured simple, cost effective and fast, so you can get back on the road carrying passengers safely and legally.

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What Is Public Hire Taxi Insurance?

Public hire taxi insurance is specifically designed for drivers who can legally pick up passengers without a pre-booked journey.

Unlike private hire insurance, public hire taxis can:

  • Wait at taxi ranks
  • Be hailed on the street
  • Carry passengers immediately without advance booking

This type of insurance is a legal requirement for:

  • Hackney carriages
  • London black cabs
  • Public hire taxis operating through local licensing authorities

If you are transporting people commercially, you must have specialist taxi insurance cover in place before you start taxi driving.

What Does Public Hire Taxi Insurance Cover?

Taxi insurance policies can provide cover for a wide range of risks faced by taxi drivers working long and often unsociable hours.

Depending on your taxi policy, your insurance cover may include:

  • Public hire taxi insurance
  • Passenger liability insurance
  • Public liability insurance
  • Legal cover
  • Taxi breakdown cover
  • Personal use cover
  • Windscreen cover
  • Theft and fire protection
  • Cover for named drivers
  • No claims bonus protection
  • Fleet insurance options
  • Taxi insurance cover personal use

The level of cover you choose will differ depending on your vehicle type, taxi business and budget.

Third-Party Only

Third-Party Only is the minimum level of taxi insurance required by law. This level of cover protects other vehicles, drivers and passengers if you are involved in an accident, but it does not cover damage to your own vehicle.

Third-Party, Fire & Theft

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

Comprehensive

A comprehensive policy includes Third-Party, Fire & Theft cover, plus additional protection for your own vehicle depending on the policy wording and insurer.

Gomigo can help taxi drivers compare options and find the right cover based on their needs.

Public Hire vs Private Hire Insurance

Understanding the difference between private or public hire insurance is important.

Public Hire Insurance

Public hire taxis can:

  • Pick up passengers from taxi ranks
  • Accept street hails
  • Operate as hackney carriages
  • Transport passengers without booking in advance

Private Hire Insurance

Private hire vehicles must:

  • Be pre booked
  • Operate through an app or operator
  • Not pick up passengers from the street

Private hire insurance is commonly used by:

  • Uber drivers
  • Bolt drivers
  • Chauffeurs
  • Executive travel services

If you are unsure which insurance cover you need, our team can help explain the differences clearly.

Who Needs Public Hire Taxi Insurance?

You may need public hire taxi insurance if you are:

  • A black cab driver
  • A hackney carriage driver
  • Operating through local taxi ranks
  • Carrying passengers commercially
  • Driving larger vehicles or people carriers
  • Running a taxi fleet
  • Employing multiple drivers

Licensing authorities usually require proof of insurance before issuing or renewing your taxi badge.

Why Choose Gomigo For Taxi Insurance?

At Gomigo, we work with professional taxi drivers every day. We understand the pressure of keeping your vehicle on the road and your passengers moving safely.

Why drivers choose us:

  • Fast taxi insurance quotes
  • Friendly UK-based support
  • Access to leading insurance providers
  • Cover for public hire and private hire taxis
  • Taxi breakdown cover available
  • Flexible insurance options
  • Support for new and experienced taxi drivers
  • Help understanding policy wording and legal requirements
  • No call centres – just genuine people ready to help

Our goal is simple – make getting insured as easy as possible.

 

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Get A Quote Today

Looking for public hire taxi insurance that keeps you covered while you work?

Gomigo helps taxi drivers across the UK find reliable, cost effective taxi insurance quickly and without the hassle.

Whether you drive a black cab or hackney carriage, we’re ready to help you get on the road with the right insurance cover in place.

 

Get a quote

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Taxi Insurance FAQs

Do I need taxi insurance to carry passengers?

Yes. If you are carrying passengers for payment, specialist taxi insurance is a legal requirement. Standard car insurance policies do not provide cover for taxi driving or transporting people commercially.

Can I use standard car insurance for taxi driving?

No. A standard car insurance policy only covers personal use, commuting and social driving. Taxi drivers require specialist hire taxi insurance.

What is passenger liability insurance?

Passenger liability insurance helps protect you if a passenger is injured while entering, exiting or travelling in your vehicle.

Does taxi insurance include personal use cover?

Many taxi insurance policies include personal use cover, but this can differ depending on the insurer and policy wording.

How much does public hire taxi insurance cost?

Taxi insurance quotes vary based on:

  • Vehicle type
  • Driver age
  • Claims bonus history
  • Location
  • Taxi badge history
  • Annual mileage
  • Security devices fitted to the vehicle
  • Number of drivers covered

Drivers with a good no claims bonus may qualify for a better deal.

Can I get taxi breakdown cover included?

Yes. Many policies offer taxi breakdown cover as an optional add on.

What vehicles can be covered?

Insurance providers can often cover:

  • Black cabs
  • Hackney carriages
  • Saloons
  • MPVs
  • People carriers
  • Larger vehicles used for transporting passengers

Can younger drivers get public hire taxi insurance?

Some insurers may have restrictions based on a certain age or driving experience, but cover may still be available depending on your circumstances.

What documents do I need for taxi insurance?

You will usually need:

  • Driving licence
  • Taxi badge
  • Vehicle details
  • Claims history
  • No claims bonus proof
  • A few details about your taxi business and usage

Can I insure more than one vehicle?

Yes. Fleet insurance options are available for taxi businesses operating multiple vehicles or cover drivers across a taxi fleet.