Chauffeur Insurance
- Insurance that works for you
- More than 40 years of expert coverage for Executive Chauffeur Drivers
- Flexible payment plans that make spreading your insurance cost easy
- Up to 60 days cover in the EU included
- Why Choose CoverMy?
Life as an executive chauffeur is non-stop - that’s why CoverMy takes care of the details, helping you save time and money
Life as an executive chauffeur is demanding—your insurance doesn’t need to be. With CoverMy, your vehicle is protected for up to £80k, giving you peace of mind where it matters most. Share your private driving experience with us to unlock an introductory discount. Relax, save money, and let us take care of the details while you focus on the journey.
- The smarter way to get covered.
Drive with confidence,
backed by private hire insurance experts.
There’s nothing like the freedom of the open road when your vehicle is your business. Finding the right insurance, however, can be confusing and time-consuming. At CoverMy, we keep it simple — with expert support every step of the way.
- Why people choose CoverMy
Choose Your Plan
Insurance options tailored to your driving needs.
Third Party
Only
The minimum cover you need, at a budget-friendly price
-
Protects other people, their vehicles, and property if you’re at fault
-
Does not cover damage to your own taxi
-
Meets the minimum legal insurance requirements in the UK
-
A cost-effective option for older or lower-value vehicles
Third Party Fire & Theft
Great value with added peace of mind.-
Covers damage or injury to other people, their vehicles, and property if you’re at fault
-
Protection if your vehicle suffers damage from fire or explosion
-
Protection if your taxi is stolen or damaged during an attempted theft
-
A cost-effective option for drivers who want extra protection without full cover
Fully Comprehensive
Our best-selling option for taxi drivers on the road every day-
Protection for repairs or replacement if your vehicle is damaged in an accident, regardless of who’s at fault
-
Covers injury, damage, or loss to other people, their vehicles, and property
-
Protection for fire, theft, vandalism, and accidental damage
-
Includes a free plated taxi replacement for non-fault accidents
Comprehensive Plus
Complete cover designed for professional taxi drivers-
Protection for repairs or replacement if your vehicle is damaged in an accident, regardless of who’s at fault
-
Covers injury, damage, or loss to other people, their vehicles, and property
-
Protection for fire, theft, vandalism, and accidental damage
-
Includes up to £10m public liability, a guaranteed plated taxi replacement, and motor legal expenses cover
- Why people choose CoverMy
Choose Your Plan
Insurance options tailored to your driving needs.
Third Party Only
The minimum cover you need, at a budget-friendly price-
Protects other people, their vehicles, and property if you’re at fault
-
Does not cover damage to your own taxi
-
Meets the minimum legal insurance requirements in the UK
-
A cost-effective option for older or lower-value vehicles
Third Party Fire & Theft
Great value with added peace of mind.-
Covers damage or injury to other people, their vehicles, and property if you’re at fault
-
Protection if your vehicle suffers damage from fire or explosion
-
Protection if your taxi is stolen or damaged during an attempted theft
-
A cost-effective option for drivers who want extra protection without full cover
Fully
Comprehensive
Our best-selling option for taxi drivers on the road every day
-
Protection for repairs or replacement if your vehicle is damaged in an accident, regardless of who’s at fault
-
Covers injury, damage, or loss to other people, their vehicles, and property
-
Protection for fire, theft, vandalism, and accidental damage
-
Includes a free plated taxi replacement for non-fault accidents
Comprehensive Plus
Complete cover designed for professional taxi drivers-
Protection for repairs or replacement if your vehicle is damaged in an accident, regardless of who’s at fault
-
Covers injury, damage, or loss to other people, their vehicles, and property
-
Protection for fire, theft, vandalism, and accidental damage
-
Includes up to £10m public liability, a guaranteed plated taxi replacement, and motor legal expenses cover
Customise with Bolt-Ons
Add extra protection or features to suit your needs. Our flexible Bolt-Ons let you tailor your cover for complete peace of mind.
This policy provides up to £100,000 of cover for a range of legal issues, including uninsured loss recovery, motor prosecution defence, vehicle identity theft, illegal clamping and towing, and unenforceable parking fines. It also includes cover for replacement vehicles and repairs following non-fault incidents. Customers have access to a legal helpline for expert guidance. This policy is underwritten by the RAC.
We offer two main levels of cover:
- Breakdown Cover (without Home Start)
- Breakdown Cover with Home Start
Both options include roadside assistance, local and national vehicle recovery, onward travel, medical transfer, alternative driver support, misfuelling assistance, and general breakdown support. This policy is underwritten by Astrenska Insurance.
This policy ensures that if a customer’s vehicle is rendered undriveable due to a single incident such as a road traffic collision, fire, theft (or attempted theft), or malicious damage, we will provide a hire vehicle. Cover is available for a period ranging from 7 to 28 days, depending on the chosen option. The hire vehicles provided are plated taxis, enabling customers to continue working. Cover is valid during the reasonable repair period or for up to three days after settlement of the customer’s vehicle claim, whichever is sooner. This policy is underwritten by Astrenska Insurance.
This policy reimburses the excess paid by the policyholder in the event of an ‘at fault’ motor insurance claim. It covers the policyholder’s excess following the successful settlement of a claim for accidental damage, fire, theft, or vandalism. This policy is underwritten by AstrenskaInsurance.
Designed to meet licensing authority requirements, this policy covers accidental injury to any person, as well as accidental damage to property, occurring within the UK during the insured period and arising from the policyholder’s business activities. It also includes legal expenses cover up to £50,000. We offer two levels of cover: £5 million or £10 million. This policy is underwritten by Accelerant Insurance.
Your Questions Answered
What is Private Hire Insurance and why do i need it?
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.
Why is Private Hire Insurance so expensive?
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.
Do you insure Imported vehicles?
Yes – We insure a number of imported vehicles. As long as there is a UK equivalent to the imported model and the the vehicle has passed it’s MOT, we will be able to insure it.
Do you insure electric vehicles?
Yes – We also cover electric vehicles including hybrids. However, at this moment in time we do not cover Tesla models.
What insurance do i need for my taxi?
Insuring your taxi for use on the road is a legal requirement in the UK and having continuous hire and reward cover is a requirement of your local authority if you are operating as a licensed private or public hire driver. Taxi insurance is designed to protect you, your car and most importantly your fare paying passengers in the event of an accident.
A typical comprehensive taxi insurance policy will cover you for :
- Cover for Third Parties – covering death or injury to a person or any damage to their property or person, this includes cover for passengers in your vehicle
- Loss or damage to your vehicle due to accidental damage, fire or theft – to either repair the damage, replace parts or pay for the value of your vehicle
- Damage to your windscreen or other glass – which may be repaired or replaced
- Cover for your audio, communication and metering equipment when caused by accident, fire or theft
- Cover for personal belongings when caused by accident, fire or theft
There are many optional additional covers available, so speak to us on 0345 456 4444 for more details
Do i need Private Hire or Public Hire taxi insurance?
This depends on the type of taxi driver you are and your local authority licence.
If you are licenced solely for Private Hire, your taxi must be booked in advance through a base office or via a mobile ride hailing app such as Uber.
Public hire taxis can pick people up from a designated taxi rank or by being hailed on the street without being pre-booked. Generally Public Hire taxis, also known as Hackney Carriages will have a lit taxi sign when “for hire” and will display their plates on the rear of the vehicle.
Some authorities offer dual licences so you can do both Private and Public Hire business.
Do you insure inexperienced taxi drivers or those with previous claims and convictions?
CoverMy Cab will make our best effort to offer cover for all individual cases, including young and inexperienced drivers, those with motor convictions and previous claims. We’ll need to assess all the circumstances before offering you a quotation but we have a wide range of products from a number of insurers so can usually quote a premium for everyone. Call one our team on 0345 456 4444.
Can i get immediate cover?
We can provide immediate cover and get you on the road right away. To get started just click the button below, all we need is your contact information, a few details about your vehicle and the type of cover you are looking for. Alternatively, if you would like to discuss the type of cover you think you might need, please get in touch with one of our team members on 0345 456 4444.
Do you cover all types of taxi vehicles including imports and large MPVs?
We can cover the vast majority of licensed taxi vehicles on the road in the UK, including 8 and 9 seater vehicles, electrics and imported right hand drive models. Call us with your vehicle details and we’ll give you a quote 0345 456 4444.
How can i pay for my policy?
You can make a payment by credit or debit card, bank transfer at no extra charge or we can offer premium finance options with an initial payment and attractive monthly repayments.
Can my partner drive my taxi for Social, Domestic & Pleasure?
Yes, your partner can be insured on your taxi at an additional premium, but first make sure your licensing authority allows this or that your partner is a licensed private or public hire driver. If they are not, they may be unable to drive your vehicle.
Can I get covered for food delivery such as Uber Eats?
We want to support our customers by enabling them to work and support the communities that they live in. Please speak to one of our team members about fast food delivery cover for new and existing taxi drivers, including Uber Eats, Just Eat and Deliveroo.
Can I use my Private Car (SDP) No Claims Bonus on my Taxi Insurance Policy?
Most taxi insurers only allow no claims bonus earned driving a taxi to be used on a taxi policy. However, we can offer attractive introductory discounts for private car no claims bonus. Please call us on 0345 456 4444 to discuss with one of our team members.
Can my partner drive my taxi for Social, Domestic & Pleasure?
Yes, your partner can be insured on your taxi at an additional premium, but first make sure your licensing authority allows this or that your partner is a licensed private or public hire driver. If they are not, they may be unable to drive your vehicle.
Ready to get covered?
Get a quick quote online or speak to our team — we’ll help you find the right policy, fast.
