Are taxi passengers automatically insured?

Yes. Hire and reward cover protects fare-paying passengers without you needing to name them on the policy.

Can I add another driver to my taxi insurance?

Usually yes. You can add named drivers, though each must hold the right licence and badge, and your premium may change.

What is any-driver taxi insurance?

It allows any suitably licensed driver to use the vehicle for hire and reward. It is common for fleets but usually costs more than named driver cover.

Taxi

Does taxi insurance cover any driver and any passenger?

Fare-paying passengers are covered by the hire and reward part of a taxi policy, but drivers usually have to be named. Here is how both work.

Passengers are covered as standard, but drivers are not. Most taxi policies cover named drivers only, though some insurers offer any-driver cover at extra cost.

How passenger cover works

Fare-paying passengers are protected by the hire and reward element of a taxi policy, so you do not need to name them. Hire and reward is the part of the policy that covers you to carry people for payment.

How driver cover works

Drivers are different. Most policies are arranged on a named driver basis, meaning only the people listed on the policy can drive the taxi for hire and reward. To let others drive, you would usually need:

To add each driver as a named driver, or
An any-driver policy, often used by fleets, at a higher premium

Each driver will normally need the right licence and council badge for the work, and the insurer may ask about their age, experience and claims history.

Why it matters

Allowing an unnamed person to drive your taxi for hire and reward can leave you uninsured, so always check who is listed on your certificate. This is especially important if you share a vehicle with another driver on different shifts.

Running more than one vehicle

If you run several taxis or employ drivers, a taxi fleet policy may be more practical than separate policies. See our fleet insurance page for more.

Getting a quote

When you fill in the short form on our taxi insurance page, say whether you need cover for additional drivers. A specialist FCA-authorised broker from our panel will contact you about quotes that reflect how your vehicle is used.