Private hire drivers in London need insurance that covers hire and reward and meets Transport for London (TfL) licensing requirements. The companies listed below offer private hire cover based on information published on their own websites. This article is for general information only and should not be treated as advice. Drivers should always review policy terms, exclusions, and suitability before purchasing cover.
Plan Insurance — best for brokerage flexibility and vehicle-specific options
Plan Insurance’s website states that it has more than 30 years of experience in arranging taxi and private hire cover. The site explains that it works with a range of underwriters and offers private hire insurance for different vehicle categories, including standard PHV vehicles, executive cars, and chauffeur vehicles. The site also provides FAQs and guidance to help drivers understand available options.
Key points:
• Broker with multiple underwriters
• Cover options for different private hire vehicle types
• Website includes guidance materials and FAQs
Zego — best for short-term flexible Uber insurance cover
Zego’s website states that it offers private hire insurance with the option to choose either a rolling 30-day policy or a 12-month annual policy. The site explains that its private hire cover includes both hire and reward, and social, domestic, and pleasure use under one policy structure. Zego also describes a telematics product called Sense, which uses a smartphone to monitor aspects of driving behaviour. Drivers can view their driving data in the Sense app, and Zego notes that telematics information may be considered at renewal depending on how the insurer assesses risk.
Key points:
• Rolling 30-day or annual policy options
• Hire and reward combined with social use in one policy
• Sense telematics available for private hire customers
• Driving data visible in the app
INSHUR — best for app-based policy management
INSHUR’s site explains that it provides private hire insurance with 30-day or annual options, depending on availability. Drivers can obtain quotes, upload documents, manage cover, and renew policies through an online platform or app. INSHUR also states that its private hire policies may include cover for personal use as well as work-related driving.
Key points:
• Online and app-based policy management
• Flexible durations depending on availability
• Designed for pre-booked and platform-based PHV work
CoverMy — best for accessing multiple insurer options through a broker
CoverMy’s website describes the company as an independent broker with more than 40 years of experience arranging private hire cover. It states that they work with a panel of insurers and provide policies for a variety of vehicle types, including electric and hybrid vehicles. The site highlights that they support drivers across the UK, including those licensed in London.
Key points:
• Independent broker model
• Access to multiple insurers
• Experience in private hire cover for various vehicle types
Morton Insurance — best for personalised private hire support in London
Morton Insurance’s website notes that they specialise in taxi and private hire cover for saloons, black cabs, MPVs, and minibuses, and that they have been operating for more than 30 years. The site indicates that they work with insurers approved by major ride-hailing operators. Morton also provides face-to-face and telephone support through its London office.
Key points:
• Long-established London-based broker
• Private hire cover for a wide range of vehicle types
• Offers in-person or phone-based customer support
LDT Insurance — best for business use and high-mileage private hire driving
LDT Insurance’s website explains that it specialises in insurance for professional drivers, including cab and chauffeur drivers. It describes private hire insurance as a key product and highlights its focus on business-use driving. The company states that it aims to provide a service-oriented approach for drivers who rely on their vehicles for work.
Key points:
• Focus on professional and business-use drivers
• Experience with private hire and chauffeur vehicles
• Service-driven broker model
Frequently Asked Questions
What insurance do private hire drivers in London need?
Private hire drivers generally need hire and reward insurance that meets Transport for London (TfL) requirements. Standard car insurance does not allow carrying paying passengers.
Are 30-day private hire insurance policies available?
Some providers, such as Zego and INSHUR, state on their websites that they offer 30-day private hire policies, depending on availability and eligibility.
Do all insurers cover ride-hailing platforms like Uber or Bolt?
Not all providers cover every platform. Drivers must check with the insurer or broker to ensure the policy is valid for their intended platform.
Is it better to use a broker or go direct?
Both options can be suitable. A broker may offer access to multiple insurers, while direct providers offer their own products only. Drivers should choose based on preference and the availability of suitable cover.
