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What is the difference between Public and Private Hire Insurance?

What is the difference between Public and Private Hire Insurance?

The most notable difference between private hire and public hire taxis is that a public hire taxi doesn’t need to be booked in advance by the passenger as the public hire driver is licenced to pick passengers up from the street.

In contrast, a private hire taxi needs to be prebooked or called from a taxi booking office or online app like Uber.

You will often find public hire taxis waiting in taxi ranks outside train stations, bus stations, airports and other city-centre locations. They are often black cabs or hackney carriages, though they can be standard saloon cars, MPVs or executive type cars.

Private hire taxis cannot use the taxi ranks and cannot be hailed by pedestrians on the street. Each fare picked up must be pre-booked.

Is there a difference between private hire taxis and Uber taxis?

Local authorities license Uber taxis and other ride-sharing drivers as private hire taxi drivers. Therefore, they must also display special plates in the same way as any other taxi.

So when it comes to taxi insurance, private hire taxi and Uber taxi insurance essentially is the same thing. However, not all taxi insurance providers will cover Uber drivers, so it is essential to get your insurance arranged by a specialist broker.

It is important to remember that both Uber taxi drivers and Public hire drivers are not licenced to pick up passengers from the street or use taxi ranks as all journeys carrying passengers must be pre-booked for all trips.

Furthermore, only public hire taxi drivers can transport passengers who have hailed the cab from the street or are parked at a taxi rank.

Join the 1000’s Taxi Drivers choosing Riviera for their Insurance

Our taxi insurance products are suitable for private hire taxi insurance and public hire vehicles. We can cover Hackney carriages, black cabs and minibuses, as well as traditional saloon vehicles. More recently, we’ve added Uber drivers insurance to our list of available products.

Working with a large panel of taxi insurance companies, we can quote you on a range of insurance solutions providing as much or as little cover as you need. We can also offer flexible monthly payment terms to help you spread the cost of your insurance cover.

A team of friendly, fully trained advisors can offer you the additional protection of legal expenses cover, public liability, personal accident, breakdown cover, windscreen repair and even employers’ liability cover.

We offer a choice between and an online quote, or you can request a call back from our team at a time to suit you. Finding cheaper taxi insurance has never been easier.

To get started, just click the ‘Get a quote button below or fill in your details on our handy contact form.

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