Hire and reward motor
Comprehensive cover for the vehicles, with any-driver or named-driver structures, plus passenger liability for fares.
e.g. A multi-vehicle taxi operator with 12 hackney carriages running 24/7 shifts.
Taxi and PHV fleet cover
Taxi Fleet Insurance
Taxi fleet insurance for licensed hackney carriage and private hire operators, any-driver options, public liability and breakdown cover under one schedule.
Around 2 minutes to startBroker callbackFCA regulated, secure submission
What it covers
Hire and reward motor, plus the things that come with it.
Taxi fleet insurance is a fleet motor policy structured for licensed passenger transport. The hire and reward motor element sits alongside passenger liability, breakdown and replacement vehicle options.
Public liability for passengers
Cover for third-party injury or damage during passenger transport, slips boarding, doors closing, dropped luggage.
e.g. A passenger injures their ankle stepping out of a cab. The PL element responds.
Replacement vehicle
Like-for-like cover while a fleet vehicle is off the road after a claim, so revenue keeps moving.
e.g. After a write-off, a replacement private hire vehicle is arranged so the run keeps moving.
Who buys it
Hackney carriage and PHV operators.
The trades and operators we most commonly place taxi fleet cover for.
Hackney carriage operators
Licensed taxi firms with multiple cabs running ranks and street pickup.
Private hire operators
PHV firms running pre-booked work via app, phone or office.
Mixed taxi + PHV fleets
Operators running both licensing types under one business.
Wheelchair-accessible fleets
WAV-equipped fleets servicing contract and ad-hoc accessible bookings.
Airport transfer specialists
PHV operators specialising in airport runs with executive vehicles.
School and council contracts
Operators on contracted school transport or local authority runs.
Independent owner-drivers
Single-vehicle owner-drivers grouping under a fleet umbrella for better rates.
Executive chauffeur
High-value chauffeur-driven fleets on corporate accounts.
When you are ready
Two minutes to start. A broker takes it from there.
Tell us about the fleet, vehicles, drivers, licensing. Specialist taxi and PHV fleet markets.
Frequently asked
Questions before you click submit.
The questions we hear most often from taxi and PHV operators.
Taxi (hackney carriage) licences allow drivers to pick up street fares and use designated taxi ranks. Private hire requires pre-booking through an operator. Both need licensed hire-and-reward motor cover; the underwriting differs slightly with private hire fleet insurance typically rated on pre-booked work patterns.
Cannot see your question? Speak to a broker on 0800 123 4567.
Why brokers, why us
FCA regulated
Authorised and regulated by the Financial Conduct Authority.
45 years broking
Long-standing relationships across the UK insurer market.
Named broker
A direct line to the same person at quote, renewal and claim.
Independent
No tie-ins. We use the market that fits the licensing regime.
● Cover that often sits alongside this
Ready when you are
Licensed cover that holds up to the work.
Two minutes to tell us about the fleet. Terms back from a specialist taxi panel. Your named broker on the file from day one.
Two minutes to startSpecialist taxi panelNamed broker, day one