📖 Taxi Driver Guide
The Taxi Driver’s Guide to Income Protection
No fares, no income. Here is how self-employed drivers keep money coming in if illness or a lost badge stops them.
Get a Free Quote →Private hire and taxi work is self-employed almost by definition, which means the safety net is whatever you build yourself. Two risks dominate: the everyday chance of illness or injury, and the more specific risk of losing your licence or medical and with it the right to earn.
Own-occupation cover deals with the second one neatly — it pays because you can no longer do this job, regardless of what else you might be able to do.
Quick Answers
Taxi Driver Cover — Quick Questions
What if I lose my private hire licence on medical grounds?
Own-occupation income protection pays out, because the policy is tied to your ability to do your specific job, not just any work.
Does high mileage make cover expensive?
Not with the right insurer. We steer clear of those that penalise professional drivers for being on the road a lot.
Can app-based income be insured?
Yes — Uber, Bolt and similar earnings all count. We average them to set the benefit.
How quickly does cover start paying?
That depends on the deferred period you choose; most drivers keep it short so the benefit arrives soon after they stop driving.
Good to know: This guide is general information to help you weigh up your options — it is not personal financial advice. Cover, premiums, exclusions and any tax treatment depend on your individual circumstances and the insurer’s assessment. LifeInsuranceForMe is an FCA-regulated insurance broker; speak to us for a recommendation tailored to you.