🚗 Private Hire Insurance

Private Hire Insurance — Cover Built for Your Trade

Compare public liability, professional indemnity, tools and employers' liability insurance for UK private hires. FCA-authorised insurers, free to compare.

  • Public liability from £1m to £10m
  • Tools and equipment cover included
  • Employers' liability if you have staff
  • Same-day cover available
  • Tailored to private hire risks
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Risks Specific to Private Hires

Every trade faces unique risks. Here's what could go wrong and why the right cover matters.

💡 Most private hires need at minimum: Public liability insurance (required by most clients and contractors), plus tools cover if you carry equipment. If you employ anyone, employers' liability is a legal requirement.

What Does Private Hire Insurance Cover?

A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.

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Hire & Reward

Covers you for carrying goods or passengers belonging to someone else for payment. Standard business use does not cover this — essential for couriers and taxi drivers.

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Goods in Transit

Covers goods you're carrying against loss, theft or damage in transit. Limits and exclusions vary — check the policy carefully for fragile or high-value loads.

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Public Liability

Covers injury or property damage to third parties arising from your business operations — separate from motor insurance.

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Breakdown Cover

UK and European roadside assistance. For sole traders relying on one vehicle, a breakdown without cover can mean a full day's lost income.

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Employers' Liability

Required by law if you employ drivers. Covers employee injury claims arising from their work.

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Legal Expenses

Covers legal costs for motoring prosecutions, contract disputes and debt recovery.

Compare Private Hire Insurance

We refer you to FCA-authorised UK insurers offering tailored cover for private hires.

Simply Business

UK's leading SME insurer. Fast online quotes for private hire public liability and combined policies.

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Hiscox

Specialist business insurer. Strong on professional indemnity and tailored trade cover.

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AXA Business

Wide range of SME insurance for trades and contractors across the UK.

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Superscript

Modern digital insurer. Flexible monthly policies — no long lock-in required.

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Referral fees may apply. The price you pay is unaffected. Always read the full policy before purchasing.

Frequently Asked Questions

While not all business insurance is legally required, public liability insurance is expected by most clients, venues and contractors before work begins. If you employ anyone, employers' liability is a legal requirement. Operating without appropriate cover leaves you personally liable for any claims against your business.
Premiums vary based on your turnover, number of employees, claims history and the level of cover you choose. Most sole trader private hires pay between £100 and £600 per year for basic public liability cover. Combined policies with professional indemnity and tools cover cost more but provide broader protection.
Yes — most insurers offer monthly payment options. You'll typically pay slightly more than the annual premium in total, but it helps with cash flow. Some digital insurers offer fully flexible monthly policies with no minimum term.
Public liability covers physical injury or property damage to third parties caused by your business. Professional indemnity covers financial loss suffered by a client due to your advice, designs or services. Many businesses need both — check which applies to your work.
You need employers' liability insurance if you employ anyone — including part-time workers, temporary staff, apprentices and in some cases, subcontractors you supervise on site. As a sole trader with no employees, it's not required. The legal minimum is £5 million cover.

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