Private Hire Fleet Insurance

Licensed operators, car rental firms and owners running two or more private hire vehicles. Each insurer sets its own minimum, and a new fleet without history can still be quoted.

Third-party injury and damage, passenger liability and, at higher levels, fire, theft and damage to your own cars. Replacement vehicles, public liability and breakdown can be added.

There is no typical price. The number and value of cars, the drivers and how often they change, the bookings, where the cars are kept and the claims history all play a part. We do not print average premiums.

It depends on the insurer. Some start a fleet policy at two vehicles, others at three or more. Below that, single policies for each car are usually the route.

A private hire vehicle must be pre-booked and cannot be hailed or use ranks. A hackney carriage can. See our public hire insurance and public hire fleet insurance pages.

Yes, many fleets work this way. The policy needs driving terms that cover renters, and the insurer will want to know how you check each driver before they take a car.

Yes. Every driver carrying passengers for hire needs a private hire driver licence from the council, and the insurer will only cover drivers who hold one and meet its terms.

Yes. A business taking private hire bookings needs an operator licence, and each car needs a vehicle licence. The insurer may ask for all three.

Usually, yes, as long as every platform is declared. Some insurers ask which apps your drivers use and how much of the work comes through them. See our Uber insurance page.

Often. Some insurers write mixed taxi fleets on one schedule if each vehicle’s licence is declared, which keeps the whole fleet on one renewal date. See our mixed fleet insurance page.

Sometimes. Each conviction is declared and the insurer decides, often with an extra excess or by approving the driver individually. Serious convictions can rule a driver out.

Yes. A fleet builds its own claims experience as a whole rather than each driver carrying a bonus. See our fleet no claims bonus guide.

Usually, yes. A new vehicle is added from the date you tell the insurer, with an adjusted premium for the rest of the term. Tell them before the car goes to work.

Usually the operator, because the rental income stops. Replacement vehicle cover keeps a car earning while repairs are done, so it is worth pricing on a rental fleet.

If you employ drivers or office staff, usually yes. If drivers genuinely rent the cars as self-employed, the position differs, so confirm which arrangement you have. See our employers’ liability insurance page.

Often. On a rental fleet it is one of the few ways to see how another person is treating your car, and some insurers offer better terms for fleets that use it.

Business fleet insurance covers vehicles a company uses for its own work. A private hire fleet carries fare-paying passengers, so it needs hire and reward cover. See our business fleet insurance page.

A few cars can still go on a fleet policy, or on a mini fleet arrangement with some insurers. See our small business fleet insurance and mini fleet insurance pages.

Look past the price to the rules for new drivers, the excess on each claim, replacement vehicle cover, how mid-term changes are charged and whether claims experience letters are provided.