Private Hire Taxi Insurance
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Private Hire Taxi Insurance

You’re only insured if you’re pre-booked. But without the right type of private hire taxi insurance, you may still be exposed to risk.

You’re a taxi driver. It’s a customer-facing, skilled, and challenging profession. You need to (and deserve to) be covered against every possible danger so you can get out on the road to earn your living – worry-free.

Private Hire Taxi Insurance Quotes from DNA Insurance:

  • Cheaper Private Hire Cover
    DNA use a panel of insurers to find you the best deal at a competitive price
  • Complete Claims Management Service
    Let us handle the entire claims process for you, which can often be complex and stressful. You can get on with working while we use our expertise in the industry to sort everything for you
  • All Post Codes Covered
    Get a tailor-made policy no matter where you live, with the help of our experienced Private Hire Insurance brokers who can advise on the best level of cover for your circumstances
  • Immediate Cover
    Be ready for your next outing with ready to go insurance cover making sure you’re covered straightaway
  • Flexible Payment Options
    DNA help you pay for cover in the best way for you – letting you plan your expenses in advance so you are comfortable with making payments
  • 24 Hour Claims Helpline
    An accident can happen anytime and at DNA we know it is important that stay on the road, which is why we have a private hire insurance claims team available 24 hours a week, 7 days a week
  • Legal Expenses
    If something does happen, have peace of mind that your legal expenses are covered by DNA private hire insurance

Optional Extras

  • Insure a Fleet:
    Ask our specialist brokers about insuring more than one vehicle
  • Breakdown cover:
    Home-start and Roadside assistance.
  • Protected No Claims Bonus:
    Choose to have protection if you have maximum No Claims Bonus.
  • Public Liability Extension:
    Up to £10 million cover.
  • Excess Buyback:
    Pay a little extra to recover your excess.
  • Windscreen Cover:
    Add cover to all policies if not available at a small cost.

Is private hire taxi insurance required by law?

Yes. Every vehicle on British roads is legally obliged to have road risks insurance in place.

As you’re operating a private taxi – a standard road risks policy will not suit. You put in more miles, you drive at different times of the day to other road users and you carry a variety of passengers.

To get both your road risks legal cover and your private hire taxi insurance, you can get a bespoke policy from DNA. A fully customised package moulded around you, your taxiing activity and your individual vehicle.

Submit an online application

What do I need to qualify for private hire taxi insurance?

  • You must be aged between 21 and 70
  • Hold a Full UK Driver’s Licence
  • You must hold a Private Hire licence to drive a taxi

Some insurers may also require that you have passed the Driving Standards Agency taxi assessment. This is purely to test you on things like assisting disabled passengers into the vehicle, operating the wheelchair ramp and more.

Call us on 0844 573 2400 to find out if you definitely meet the requirements.

How much is private hire taxi insurance?

There’s no fixed cost.

As you’d expect, it costs a little more to get the added protection you need. But we know just how to get the best policy to suit your needs.

We customise the policy with you and make sure it only includes the features applicable to you – meaning you’re never paying for something you have no need for. Then we negotiate for the best possible private hire quote on your behalf.

All you need to do is apply online.

What types of cover are there?

There are three types of private hire insurance:


If your cab causes damage to anybody, any repairs or compensation owed to that person will be covered. You’ll be required to pay your own repairs.

Third-party Fire & Theft

This adds a layer of protection to the above policy, so that if your cab is damaged in fire or if it is stolen, your insurance has you covered.


Total protection. Everything you need to get full peace of mind while you’re on the road. You’re covered if you damage the taxi and you can combine this with liability insurance, so if you ever have a passenger who wants to sue (for whatever reason) your legal fees will be taken care of.

Call us on 0844 573 2400 to find out more.

Can I insure multiple vehicles for my private taxi service?


If you own a fleet of cabs and use several private hire drivers, you can insure them all under a single policy. And it can save money.

Call us on 0844 573 2400 to find out exactly how this works.

How to apply for private hire insurance …

We understand that sorting out your insurance is just one of those things you really want to get done so it’s over with.

So we’ve made it easy for you.

Give us a ring on 0844 573 2400 or apply for a private hire quote online