Cover for Taxi & Private Hire Drivers
Uber, Bolt, black cab or private hire — if you stop driving, the money stops. We find self-employed drivers cover that pays out.
Key facts at a glance
- Profession
- Taxi Driver
- Recommended priority cover
- Income Protection
- Typical benefit
- ≈ £1,500/mo — Example benefit on a £26,000 income (up to ~70%)
- Adviser
- FCA-regulated, whole-of-market UK broker
Reviewed by the LifeInsuranceForMe advice team · Last updated June 2026 · FCA-regulated UK broker
Taxi and private-hire drivers generally get own-occupation income protection on a three-month minimum wait. Non-driving roles (controllers, proprietors) are rated more like office work, so how you describe the job affects your terms.
Off the road = no fares, no income
Taxi and private hire drivers are self-employed with no sick pay. Own-occupation income protection pays out if illness, injury or a lost medical stops you driving.
- Own-occupation — paid if you can't drive specifically
- Up to ~70% of real earnings, including app-based income
- Covers loss of licence on medical grounds
- Affordable cover from around £10/month
Why It Matters
The Risks Taxi Drivers Need to Plan For
Private hire and taxi work is self-employed, licence-dependent and high-mileage. Here's what to plan for.
Licence & medical dependency
Lose your medical or badge and you can't earn — own-occupation cover protects you.
No sick pay
Every day off the road is a day with no income.
High-mileage accident risk
More time on the road means more exposure to accident and injury.
Long hours seated
Back and circulation problems are common among full-time drivers.
Recommended Cover
The Right Protection for Taxi Drivers
Based on the specific risks of your profession, here's what we typically recommend — ranked by priority.
Income Protection
Replaces income if illness or injury stops you driving — own-occupation available.
Life Insurance
Affordable cover to protect dependants and clear debts.
Critical Illness Cover
A lump sum on diagnosis of a serious illness.
Why Your Job Is Different
How We Get Taxi Drivers a Better Deal
Mainstream insurers often misprice or misunderstand your profession. Here's how we fix that.
Own-occupation cover
Pays if you can't drive specifically, not just any job.
Real-earnings based
We use your actual take-home, including app-based income.
High-mileage friendly
We avoid insurers who unfairly load professional drivers.
"Drive private hire full time and never thought I could protect my income. They sorted it in two days based on my actual earnings."
FAQs
Taxi Driver Insurance — Your Questions Answered
Life Insurance & Income Protection
Taxi Driver FAQs — Life Insurance & Income Protection
Common questions UK taxi drivers ask about protecting their income and family.
Get Your Quote
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What cover are you interested in? (Select all that apply)
🛡️ Life Insurance
Lump sum for your family if you die
💷 Income Protection
Replace up to 70% of income if ill
❤️🩹 Critical Illness
Lump sum on diagnosis
🏠 Mortgage Protection
Clear your mortgage if you die
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