Minicab insurance that keeps you earning
It is easy to find a quote online, but finding a policy that actually protects you and your livelihood is harder. At Sterling, we do the heavy lifting for you. We compare deals from a wide panel of top UK insurers to find the most competitive rates, saving you the time and stress of shopping around.
We don’t just look at the data, we also look at the driver. Whether you have years of experience or you are looking for a policy that rewards a clean driving record, our team of experts are here to tailor a package that keeps you on the road and earning.
Looking for ride-share or specialist insurance?
If you drive for Uber or Bolt or a chauffeur service, we offer cover for these types of vehicles too. Just get in touch for a quote. We can also cover decommissioned taxis for SDP use and black cabs.
The benefits of getting a private hire taxi policy with Sterling Insurance
Here are just some of the benefits you can expect:
- Up to £100,000 of legal cover is included with every policy
- Cover for all minicab drivers
- Insurance for all types of vehicles
- Public liability cover up to £10 million
- Multiple drivers can be covered
- Wide range of optional extras available, including breakdown cover, excess protect, keycare, gadget cover and misfuelling cover
Insurance for all types of vehicles
Whether you are driving a standard saloon, an electric vehicle or an estate, Sterling will help you find the right cover. Speak to us if you have a standout custom car or a specific model, as we offer flexible policies across a wide range of makes and models.
Multiple drivers can be covered
If your business involves more than just you, we can help. Our policies can be tailored to include multiple drivers, ensuring that every member of your team is fully protected while operating your private hire vehicle.
Cover for all minicab drivers
Here at Sterling, we understand that no two drivers are the same. Whether you are an experienced professional or new to the profession, we have access to a wide panel of insurers to help you find the best coverage for you. We do all the searching so you don’t have to.
Public liability cover up to £10 million
We offer two levels of protection to keep your business and ratings secure: £5 million of cover for £71.46, or £10 million of cover for £84, ensuring you’re fully protected against claims for injuries or damages while on the job.
Breakdown keycare and more available
To give you total peace of mind on the road, we offer a range of optional extras. You can choose to add breakdown cover, keycare, misfuelling, and windscreen cover to your policy. It is always best to phone us for our best prices and to build a package that fits your daily requirements.
Frequently asked questions
How much is private hire taxi insurance?
The cost of your policy depends on several factors, including:
- Your driving history
- Location and licensing authority
- Type of vehicle
- Annual mileage
- Level of cover
We work with multiple insurers to help you find a competitive quote.
How can I get affordable private hire taxi insurance?
You can focus on a few key steps to reduce your premium, such as fitting a good dash cam and a Thatcham-approved alarm. Building and protecting a clean, claims-free record will also help you grow your no-claims bonus, which will lower your premium in the years to come. Paying annually upfront also usually works out cheaper than paying monthly, and opting for a higher voluntary excess can help too if you can afford it.
Does private hire taxi insurance cover passengers?
In most cases, you will need to include public liability insurance as part of your policy to ensure passengers are protected if they are injured or their property is damaged during a journey.
What is private hire taxi insurance?
Private hire taxi insurance (also known as minicab insurance or PHV insurance for short) is designed for drivers who:
- Take bookings in advance
- Work through operators or platforms
- Use their vehicle for business purposes (i.e. for hire and reward)
