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What Makes a Taxi Insurer “Best”?
Finding the best taxi insurance for you starts with understanding how you work. It’s about finding cover that supports your driving needs, whether you’re a full-time public hire driver, a private hire driver using ride-hailing apps, or managing a fleet.
There isn’t one single “best” taxi insurer for every driver. The right provider depends on your licence type, vehicle, mileage, experience, and the kind of work you undertake.
Below, we’ve outlined some of the most well-known taxi insurers in the UK, what they’re known for, and why drivers choose them.
Acorn Insurance
Acorn Insurance is the UK’s largest and longest-standing taxi insurance specialist.
With more than 40 years of experience arranging taxi cover, Acorn Insurance has built its reputation around a deep understanding of how taxi and private hire drivers operate across the country.
Why many drivers choose Acorn Insurance
A true taxi specialist since 1982
Acorn Insurance has focused on taxi insurance for over four decades. That experience means understanding licensing requirements, local authority variations, and the realities of high-mileage urban driving.
The UK’s largest taxi insurance specialist
Acorn Insurance’s 2024 taxi Gross Written Premium (GWP) exceeded £150m, based on publicly available Companies House data as of November 2025.*
In practical terms, this scale reflects decades of sustained growth within the taxi insurance market, long-standing relationships with taxi and private hire drivers nationwide and a continued investment in specialist expertise.
UK-based support with digital flexibility
When support is needed, being able to speak to someone can make all the difference. Acorn Insurance operates UK-based call centres, so drivers can talk directly to agents in the taxi team.
At the same time, we recognise that many drivers prefer to manage their insurance digitally. The Acorn taxi app allows taxi policyholders to access documents, view policy details and manage their cover in a way that suits them. This combination of UK-based telephone support and digital self-service means arranging and managing your insurance in the way that suits the individual.
Flexible short-term and annual cover options
Not every driver wants to commit to a full 12-month policy straight away. Acorn Insurance can arrange short term taxi insurance options, including 7-day and 30-day policies, so you can choose cover that reflects how and when you work. Short-term taxi insurance can be particularly helpful if you’re starting out, waiting for a longer-term policy to begin, or simply need temporary cover to stay on the road. Short-term taxi policies give drivers a way to arrange hire-and-reward cover without the commitment to a longer policy.
Cover designed around modern taxi work
Many drivers now combine passenger work with courier or food delivery activity. Acorn Insurance arranges policies that can reflect multiple uses under one policy, helping drivers avoid any gaps in their cover. It’s important to remember that, where a driver’s work changes (for example, by taking on additional hire-and-reward activities) this should be discussed with their broker, as changes in occupation may affect the terms of cover.
No claims discount recognition
Experienced drivers can transfer up to nine years’ no claims bonus. New drivers can begin earning their no claims discount from year one, rewarding safe driving from the outset.
Support for a wide range of driver circumstances
Acorn Insurance arranges cover for:
- Public hire taxi drivers
- Private hire drivers
- Ride-hailing platform drivers
- Taxi fleets
Taxi insurance prices** arranged by Acorn can start from:
- £52 for a 7-day policy
- £163 for a 30-day policy
- £278 for a 90-day policy
- £1,054 for annual cover
For many drivers, the reassurance of dealing with a broker that has decades of experience in the taxi insurance industry is paramount.
INSHUR
INSHUR is a digital-led provider serving private hire drivers. Policies are arranged online, and the process is designed to be quick and paperless.
Key features
- Online quote and policy management
- 30-day and annual cover options
- Focus on ride-hailing drivers
- Electric and hybrid vehicle cover
INSHUR may appeal to drivers who want an app-based experience without broker involvement.
Zego
Zego is a digital-first insurer focused primarily on private hire drivers, particularly those working through ride-hailing platforms. Their approach centres on flexibility and technology-led insurance solutions.
What drivers value about Zego
- App-based policy management
- Short-term (e.g. 30-day) and annual policy options
- Telematics-based pricing models, such as app-linked driver monitoring
- Partnerships with certain ride-hailing platforms
One of Zego’s distinguishing features is its use of telematics. Through app-based monitoring, driving behaviour can influence pricing, with safer driving potentially reflected in future premiums. For some drivers, this data-led approach offers transparency and the opportunity to demonstrate careful driving habits.
Telematics policies may appeal to drivers who are comfortable with in-app monitoring and prefer a technology-driven insurance experience. As with any policy type, it’s important for drivers to understand how pricing is calculated and decide whether this approach aligns with how they prefer to manage their cover.
Zego is often chosen by drivers who value digital convenience and the flexibility of shorter-term commitments.
Freeway Insurance
Freeway is a long-established taxi insurance broker offering cover for both public and private hire drivers.
What they’re known for
- Traditional broker support
- Add-ons such as breakdown or legal expenses
- Fleet insurance options
- Experience with licensing documentation
Drivers who prefer speaking to advisers and arranging cover over the phone may find this approach suits them.
DNA Insurance
DNA Insurance specialises in taxi cover for public and private hire drivers and is known for personalised service.
Why drivers consider DNA
- Specialist taxi knowledge
- Support with licensing requirements
- Flexible underwriting for mileage and vehicle type
DNA can suit drivers looking for a smaller specialist with tailored support.
Aviva
Aviva is one of the UK’s largest general insurers and offers hire-and-reward cover through its commercial vehicle policies.
Where Aviva may fit
- Fleet or multi-vehicle operators
- Drivers seeking cover from a large household name
- Businesses combining taxi work with broader commercial activity
Aviva is not a taxi-exclusive provider but remains an established option within the commercial motor market.
What Makes a Taxi Insurer “Best”?
The right taxi insurer depends on your needs. When comparing providers, it’s worth considering:
1. Do they specialise in taxi insurance?
Taxi work carries different risks to standard car insurance. A taxi insurance specialist understands what taxi drivers value.
2. Can the policy reflect how you work?
If you combine passenger transport with courier work or food delivery, make sure your policy allows for this.
3. How are claims handled?
If you rely on your vehicle for income, downtime matters. Ask how quickly claims are processed and whether replacement vehicles are available.
4. Will your no claims bonus be recognised?
Some insurers limit transferable no claims years. Make sure your driving history is properly reflected.
Choosing the Right Taxi Insurance for You
There isn’t one universal “best” taxi insurer: only a taxi insurance policy that best matches your requirements. If you’re:
- A new driver starting out
- An experienced public hire driver
- A private hire driver working via apps
- A fleet operator
- A driver with previous motoring convictions
It’s important to use a provider that understands the taxi industry. For many drivers across the UK, that’s why they choose a taxi insurance broker with decades of experience in the sector.
* “UK’s largest taxi insurance specialist” refers to Acorn Insurance’s 2024 taxi Gross Written Premium (GWP) exceeding £150m, approximately 20% higher than the next largest competitor, based on publicly available Companies House data as of November 2025.
** These figures represent the 10th percentile of renewal customers from the last 6 months (dated 18/02/2026), meaning 10% of renewing customers paid this amount or less. Taxi insurance premiums depend on factors such as your vehicle, location, driving history, licence type and level of cover required, so your individual premium may be higher or lower depending on your personal circumstances and underwriting criteria.