Choosing the right taxi insurance in 2026 is more important than ever. With rising operating costs, stricter licensing requirements, and increasing demand for flexible private-hire work, taxi drivers need insurers that offer clear pricing and modern tools.

Best Taxi Insurance Companies UK (2026)

November 19, 2025 EV Powered

Choosing the right taxi insurance in 2026 is more important than ever. With rising operating costs, stricter licensing requirements, and increasing demand for flexible private-hire work, taxi drivers need insurers that offer clear pricing and modern tools.

This guide ranks the best taxi insurance companies in the UK for 2026, based on flexibility, driver benefits, claims reputation, telematics features, and digital experience.

Rank	Company	Best For	Key Strengths
1	Zego	Uber drivers & safe drivers	30-day rolling cover, upfront savings, telematics-based renewal pricing
2	Acorn	Higher-risk drivers	Accepts convictions, broad underwriting
3	SimplyQuote	Quick comparisons	Fast taxi-specific quote checks
4	Quotezone	Market benchmarking	Wide insurer panel
5	Cincinnati / Haven	Established taxi specialists	Trusted by fleets, solid claims history
6	Tradex	Mixed-use drivers	Taxi + delivery / unusual cases
7	Collingwood	Younger private-hire drivers	Competitive PHV pricing, add-ons

Zego Best Overall Private Hire Insurance & Best for Uber Drivers (2026)

Zego leads the rankings this year thanks to its flexible 30-day rolling private-hire policies, innovative telematics, and fair pricing structure designed to reward safe drivers. The rolling monthly cover is one of the most attractive options in the UK taxi market, giving Uber and other PHV drivers the freedom to scale work up or down without committing to a full 12-month policy.

Zego’s Sense telematics app also provides upfront savings for drivers who consistently demonstrate safe habits, while its renewal pricing model reflects your history directly — meaning safer drivers pay less over time. Together, these features make it the most driver-friendly insurer in the sector.

Zego summary

30-day rolling cover ideal for Uber drivers
Upfront price reductions for safe drivers
Renewal pricing based on actual driving profile
Designed for Uber, Bolt, FREENOW + UK PHV licensing

Acorn Insurance

Acorn remains a strong alternative for drivers with more complex backgrounds, including those with past claims, points, or previous refusals. It has long operated in the specialist taxi market and works closely with many licensing authorities.

Acorn summary

Strong for higher-risk taxi profiles
Broad coverage across UK PHV markets
Premiums can be higher for low-risk drivers

SimplyQuote

SimplyQuote provides quick, clean comparison functionality focused specifically on taxi insurance. It isn’t an insurer itself, but it’s useful for drivers who want to check pricing across the market before buying.

SimplyQuote summary

Fast taxi insurance comparison
Simple platform for PHV and black-cab drivers
Experience varies by chosen insurer

Quotezone

Quotezone is a long-standing comparison platform with a wide insurer panel, making it helpful for benchmarking quotes and exploring alternatives at renewal.

Quotezone summary

Wide pool of taxi insurers
Good for benchmarking annual prices
Final service varies by provider

INSHUR

INSHUR is one of the more modern taxi insurance providers in the UK, known for its strong focus on private-hire drivers who operate through platforms like Uber, Bolt, and FREENOW. The company delivers a fully digital, app-based experience, allowing drivers to quote, buy, and manage their policy without needing to deal with brokers or phone calls. This makes INSHUR particularly appealing to drivers who prefer convenience and quick turnaround times.

INSHUR offers annual private-hire cover rather than rolling monthly products, and pricing can vary significantly depending on driver history and city. While it does not offer the same telematics-based savings or driver-behaviour pricing that puts Zego ahead in this space, it remains a popular option for drivers who want a straightforward, digital-only insurer with strong familiarity across major ride-hailing platforms. INSHUR also has a reputation for clear documentation and platform-aligned onboarding, which helps PHV drivers get insured quickly when signing up to drive.

INSHUR summary

Digital-first insurer with an app-based experience
Recognised by Uber, Bolt, and other PHV platforms
Simple, broker-free policy management
Annual private-hire policies (no rolling monthly option)
Less behaviour-based pricing compared to telematics-led insurers like Zego

Cincinnati / Haven Insurance

Cincinnati (Haven) has served the UK taxi sector for many years and has maintained a solid reputation among brokers and fleets. It’s reliable, stable, and well-understood within the market.

Cincinnati / Haven summary

Trusted for PHV and black cab cover
Established insurer in taxi sector
Less digital convenience compared to newer brands

Tradex

Tradex is best known for its flexibility and willingness to cover non-standard or mixed-use drivers, such as those who switch between taxi, delivery, and other commercial work.

Tradex summary

Good for unusual or mixed-use vehicle needs
Fleet cover available
Customer experience varies via brokers

Collingwood

Collingwood is a solid choice for younger private-hire drivers or those entering taxi work for the first time. It often delivers competitive pricing across many postcodes.

Collingwood summary

Competitive for younger PHV drivers
Clear options for public and private hire
Prices vary significantly by postcode

Which Taxi Insurer Is Best in 2026?

Your ideal insurer depends on whether you drive private-hire or public-hire, how often you work, and how safe your driving history is. For Uber drivers in particular, Zego stands apart thanks to its 30-day rolling flexibility, upfront safe-driver discounts, and renewal pricing that reflects your actual driving behaviour. Combined with its digital-first experience and telematics car insurance option, Zego takes our top spot as the best taxi insurance provider in the UK for 2026.

Who Is Best for What?

Below is a clear breakdown of which insurer is the best fit for each type of taxi driver in 2026:

Uber, Bolt, and FREENOW Drivers

Best: Zego
Why: Offers 30-day rolling cover, potential safe-driver telematics savings, and a fully digital experience ideal for platform-based PHV work.