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Minicab insurance UK

Looking to insure your mini cab? You’re in the right place. You may be wondering how you can get more competitive prices for your UK mini cab insurance. Frustratingly, it tends to be much more expensive than standard domestic car insurance, but that’s because of the amount of driving, increased risk of accident and the risks of carrying passengers (amongst other reasons). We can help you find your next minicab policy at a great price. Use our clever system to compare, and see how much you could save.

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Minicab insurance

Minicab insurance is similar to car insurance. However, minicab insurance is also commercial insurance because you are using your vehicle for business. This means you need insurance with extra features.

What kind of insurance does a minicab driver need?

A minicab driver must have enhanced insurance to cover commercial driving. Minicab insurance usually includes public liability insurance, which covers anyone being injured, or damage to property, while you are working in your minicab. This is called commercial private hire insurance and it covers using the vehicle as a business.


How much does it cost to insure a minicab?

To get a quote on insuring your minicab, use Apricot Insurance to get cheap insurance quotes. We work with the UK’s leading insurance companies to find you cheap minicab insurance. Then you can compare your options to find the right deal for you.


What is PCO insurance?

PCO insurance is a special kind of insurance for driving a taxi or minicab in London. If you are working outside London, you only need regular minicab insurance.


Are Uber drivers insured in the UK?

Anyone who is working in the UK and driving a private hire minicab will need insurance. If you are self-employed with a larger company you will need to arrange this insurance yourself.


What can minicab insurance UK include?

UK minicab insurance must cover more than basic car insurance. First, you may need cover for higher mileage and more driving in busy areas. Minicab insurance also includes public liability insurance for driving your passengers, and the increased risk of personal injury or accident claims. It is a business, so you need commercial private hire insurance.


What other types of minicab insurance should I consider?

Public liability insurance is extremely important when you have a minicab. Fully comprehensive insurance for your vehicle will give added peace of mind. You may also consider legal cover, which helps with legal costs in case of an accident. Theft, vehicle recovery and breakdown cover are also useful.


Can I use my no-claims discount?

You can generally only use a no-claims discount from a previous minicab insurance policy. You cannot use a no-claims bonus from a personal car policy with a minicab insurance policy.


Can I use my minicab for personal journeys?

Minicab insurance often includes social, domestic, or personal use. You can use your minicab for your personal use without additional insurance when your policy includes this. You may need to check if your policy has any mileage limits.


Can my spouse or partner use my minicab?

Some minicab insurance policies allow you to add an additional driver. When your spouse or partner is added to your UK minicab insurance they can use your minicab for social, domestic or pleasure driving. You can see which policies allow this when you compare your quotes for minicab insurance UK.