Private Hire Insurance - CoverMy Cab

We’ve got your Private Hire Insurance covered!

If you drive a Private Hire Vehicle (PHV) often referred to as a minicab and only accept contract or pre-booked jobs from your base office our Private Hire insurance is right for you! Also if you drive for ridesharing apps such as Uber, Bolt, Ola or Freenow then we can offer a competitive price.

We’ve been providing minicab insurance cover to private hire drivers across the UK, including PCO insurance in London, for over 40 years. We’re independent insurance brokers with access to a range of products from multiple private hire insurers.

Whatever taxi you drive, including electric and hybrid vehicles, we’ll have the right PHV insurance quote at the right price for you!



Upgrade your cover with Bolt-ons

In addition to offering cover for your Private Hire vehicle, we also offer a range of Bolt-ons.

Our Private Hire Bolt-on insurance policies are designed to keep you out on the road and working. Choose which ones to add to your policy for complete peace of mind:  

Private Hire Breakdown Cover – Roadside & Homestart

Guaranteed Replacement Private Hire Vehicle (Terms may apply, speak to one of our team members to find out more)

Legal Expense Cover

All Glass Cover

Extended Public Liability Insurance

Excess Protection Insurance

Why choose CoverMy Cab for Private Hire Car Insurance?

Besides offering great value policy for Private Hire there are so many reasons to choose CoverMy Cab, here’s just a few…

Over 40 years’ experience providing cover to private hire drivers

UK based call centre

24/7 accident and claims reporting helpline

Flexible payment plans, helping you spread the cost of your insurance

Annual and short term (monthly) minicab insurance policies available

Receive an Introductory Discount for proven private car driving experience with a No Claims Bonus

We’ll keep you on the road and working with a replacement (licensed and plated) Private Hire vehicle in the event of a non-fault accident
(Terms may apply, speak to one of our team members to find out more)

No Claims Bonus Protection

Your Private Hire Questions Answered

Private Hire car insurance, also known as Minicab Insurance is a motor insurance policy which specifically offers cover for taxi drivers where their local authority licence only allows them to take bookings for pre-arranged trips or contracts. Under a Private Hire policy you will not be covered for “plying” for hire on the street or at a taxi rank, for this you would need a Public Hire policy

Typically bookings will be made by a cab firm with the customer via a base office over the telephone and issued over a two-way radio or via a dispatch system, also private hire bookings can be made using mobile apps such as Uber, Bolt, Ola, ViaVan or Freenow

Alternatively you may have longer term contract bookings with local authorities or individuals and your policy will cover you for these.

Insurance for Private Hire use can be expensive. The reason for this is the generally the number of miles you’ll be driving compared to someone just using their car for personal use, as being on the road all day or night will significantly increase your exposure to accidents/incidents.

There is also the additional risk of injuries to your passengers which increases the average cost of a private hire insurance claim.

Driving in built up or highly populated areas such as London, Birmingham and Manchester will also mean a greater likelihood of accidents so premiums tend to be higher in these areas and lower in more rural areas and the countryside. CoverMy Cab offer great rates for Rural Taxi drivers

CoverMy Cab are experts in providing insurance for Private Hire and have been doing so for over 40 years. We’re committed to offering our clients the most affordable minicab Insurance.

Private Hire Insurance - CoverMy Cab

Need to report a claim?

No one likes to think about having a motoring accident or incident, but unfortunately, they do happen – Here’s some helpful tips on what to do if you’re involved in one:

 Move to a safe place

 Call the emergency services if anyone is injured

 If safe to do so, take photos with your smartphone of the scene and the vehicles involved

Exchange your contact, insurance and vehicle details with all other parties

 Take contact details of any independent witnesses

 Do not admit liability

 Call our 24/7 claims line on 0345 184 9999 as soon possible, then we’ll do the rest

At CoverMy Cab, we’ll help you every step of the way. Find out more information on making a claim.

Cover your Private Hire Vehicle today

We much prefer to speak to our customers so call us for a quotation on
0345 456 4444, our phone lines are open Monday-Friday from 8.30am-6pm and Saturday 9am-2pm. Alternatively you can quote and buy your insurance policy online.

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