Fleet insurance
Private Hire Fleet Insurance
one policy for a fleet of pre-booked cars, whoever is driving them this week
Private hire fleet insurance is a single UK motor policy for an operator or owner running two or more pre-booked private hire vehicles. It covers hire and reward use, passengers and third parties on every car, with one schedule, one renewal date and driving terms that suit changing drivers.
- Pre-booked work only
- Rented and employed drivers
- One schedule, one renewal
- FCA authorised and regulated
Quick answerPrivate hire fleet insurance is one motor policy covering several private hire vehicles run by the same operator or owner. The cars carry passengers who have booked in advance, by phone, app or account, and cannot be hailed in the street. The policy gives hire and reward cover, passenger liability and the cover level chosen on each car. Because drivers often rent the cars or come and go, the driving terms and driver turnover matter as much as the vehicles. Tell us what you run, and specialist UK brokers can come back with quotes.
Insuring one car you drive yourself? Our private hire insurance page covers a single vehicle.
At a glance
Private Hire Fleet Cover, in Brief
Six things that decide how insurance works for a fleet of pre-booked cars.
- What it covers
- Two or more private hire vehicles
- Who drives
- Renters, employees or a mix
- The work
- Pre-booked only, never hailed
- Cover levels
- Third party up to comprehensive
- Claims record
- The fleet builds its own
- Licensing
- Operator, vehicle and driver licences
The basics
What Is Private Hire Fleet Insurance?
Hire and reward motor cover for several private hire vehicles on one policy. The fleet owner holds it, and each licensed driver is covered under the driving terms it sets.
Every car on one schedule
Add and remove vehicles as drivers change.
Changing drivers covered
Named, any licensed driver or a mix.
Pre-booked hire and reward
Phone, app and account work.
Passenger liability
Injury to the people you carry.
A fleet claims record
Built up across the cars.
One renewal
One date to compare and manage.
How it works
How Do You Move Several Private Hire Cars Onto One Policy?
You list the cars, agree driving terms that match how drivers use them, and the fleet is priced on its vehicles, drivers, work and claims history.
You list the cars
Make, model, registration and licence for each.
You explain the driving
Rented by the week, employed, or owner-driven.
You describe the work
App, phone, account or contract bookings.
Brokers price the fleet
One premium, one renewal, cars added mid-term.
What it covers
What Does Private Hire Fleet Insurance Cover?
Each car gets the cover level you choose, from third party to comprehensive, always with hire and reward use for pre-booked passengers. Downtime and liability cover can be added.
| Section | Where it sits | What to know |
|---|---|---|
| Third-party injury and damage | Core | Included on every car |
| Passenger liability | Core | Injury to booked passengers |
| Fire and theft | Third party fire and theft and above | Subject to security conditions |
| Accidental damage | Comprehensive | Repairs to your own cars |
| Windscreen | Often included | Can carry a separate excess |
| Replacement vehicle | Optional | Keeps a rental earning after a claim |
| Public liability | Optional | Injury away from the vehicle, such as at pick-up |
| Breakdown | Optional add-on | Roadside help for each car |
Employ drivers or office staff? See our employers’ liability insurance page.
Exclusions
What Can Leave a Private Hire Car Uninsured on the Fleet?
Picking up unbooked passengers, drivers outside the terms and lapsed licences are the usual gaps, alongside the standard motor exclusions.
Unbooked pick-ups
Accepting a street hail.
Drivers outside the terms
Too young, unlicensed or unnamed.
Lapsed licences
Vehicle, driver or operator.
Keys left in the car
Theft without forced entry.
Undeclared platforms
App work the insurer was not told about.
Undeclared modifications
Changes the insurer was not told about.
How the fleet is run
Which Ways of Running a Private Hire Fleet Can Be Insured?
Insurers ask how the cars reach drivers and where the bookings come from. Each set-up changes the driving terms the policy needs.
Cars rented to drivers
Weekly rental to self-employed drivers.
Employed drivers
Staff driving company cars.
App-based work
Bookings through ride-hailing apps.
Account and corporate work
Regular business clients.
Contract work
School, hospital and council runs.
Mixed licences
Private hire and hackney together.
App work only? See our Uber insurance page. Hackney and private hire together? See our mixed fleet insurance page.
Who it suits
Which Operators Can Get Private Hire Fleet Cover?
Anyone running two or more licensed private hire vehicles, from a small minicab firm to a larger rental business. The thresholds vary by insurer, and a new fleet can still be quoted.
Licensed operators
Booking offices with their own cars.
Car rental firms
Renting licensed cars to drivers.
Minicab firms
Local offices with a few cars.
Family fleets
Cars shared between relatives.
Executive car services
Chauffeur-style pre-booked work.
New fleets
No fleet history yet.
A small business with a few vehicles? See our small business fleet insurance and mini fleet insurance pages.
Renting or employing
Renting Cars to Drivers or Employing Them: What Changes?
Who the drivers are. Renting cars to self-employed drivers means more turnover and wider driving terms; employing drivers brings employers’ liability and usually steadier records.
| Renting to drivers | Employing drivers | |
|---|---|---|
| Who holds the driving licence | Self-employed renters | Your employees |
| Driver turnover | Often high | Usually lower |
| Driving terms needed | Any licensed driver, with checks | Named or any employee |
| Other cover to think about | Rental agreements and downtime | Employers’ liability |
Running hackney carriages? See our public hire fleet insurance and public hire insurance pages.
Cost
How Is a Private Hire Fleet Priced?
There is no typical price. The number and value of cars, who drives them and how often drivers change, the kind of bookings, where the cars sleep and the claims history decide it. We do not print average premiums.
Why driver turnover matters
A car that sees several renters in a year carries more unknowns than one driven by the same person throughout.
Why the booking mix matters
Late-night app work, airport runs and daytime account work produce different journeys and different risks.
What the quote is rated on
The main factors
- The carsNumber, type and valueBase
- The driversAges, licences and turnoverRate
- The bookingsApp, account or contractRate
- Where they sleepOvernight postcode and securityRate
- Fleet historyClaims across the fleetAdjust
Driver vetting
Clear checks before a car goes out.
Telematics
Shows how each renter drives.
The excess
A higher one lowers the premium, at a cost per claim.
Driver checks
Which Driver Checks Keep a Rental Fleet Insurable?
When drivers change often, the checks you run before handing over keys are what keep cover valid. Four matter most.
Check the licences
Driving licence and private hire badge, both in date.
Check the record
Convictions and claims against the policy terms.
Record who has which car
Dates, mileage and condition at handover.
Tell the insurer about changes
New drivers or cars before they start work.
How does the fleet claims record work? Read our fleet no claims bonus guide.
Quote checklist
What Should Be Ready Before a Private Hire Fleet Quote?
Six things shape the quote: the cars, the licences, the drivers, how they use the cars, where the cars are kept and the claims history.
The cars
Make, model, registration and value.
The licences
Operator and vehicle licences.
The drivers
Ages, badges and any convictions.
How cars are used
Rental terms or shift patterns.
Overnight storage
Where the cars are kept.
Claims history
Fleet and individual experience.
Comparing
What Separates One Private Hire Fleet Quote From Another?
The driving terms for new drivers, the excess and downtime cover. A low price with tight driver rules can leave cars parked.
Driving terms
- Named or any driver
- Minimum age and licence years
- Rules for new renters
The excess
- Per-claim excess
- Young driver excess
- Windscreen excess
Downtime
- Replacement vehicle
- Repair times
- Hire limits
Fleet terms
- Adding cars mid-term
- Claims experience letters
- Payment options
Check the rules for a new renter. Some policies need each driver approved before they drive. See our excess guide for how claims costs add up.
Cutting costs
How Can an Operator Bring the Fleet Premium Down?
Driver vetting, telematics, security and a clean fleet record are the levers. We publish no savings figures.
Vet every driver
Experience and clean records help.
Use telematics
See how each car is driven.
Secure overnight parking
Off-street where possible.
Protect the fleet record
Small claims add up.
Choose the excess deliberately
Only at a level the business could pay.
Keep licences in date
Lapsed licences can void cover.
Other business vehicles too? See our business fleet insurance page.
Glossary
Bookings, Licences and Rental Terms
The words that come up most on a private hire fleet quote.
- Private hire vehicle
- A licensed car that can only carry pre-booked passengers.
- Operator licence
- The licence a business needs to take private hire bookings.
- Pre-booked
- Arranged in advance, never hailed in the street.
- Badge
- The licence a driver holds to drive private hire.
- Hire and reward
- Carrying passengers for payment.
- Schedule
- The list of vehicles on a fleet policy.
- Any driver
- Cover for any driver meeting the policy terms.
- Driver turnover
- How often drivers join and leave the fleet.
- Claims experience
- The fleet’s own record of claims over time.
- Compulsory excess
- The part of a claim the insurer sets that you pay.
Why MyMoneyComparison.com
Why Compare Private Hire Fleet Insurance with MyMoneyComparison.com?
MyMoneyComparison.com is an FCA-authorised UK comparison service that introduces taxi operators and fleet owners to specialist brokers. We do not sell insurance and we do not give advice: the broker you choose arranges the policy. Using us is free.
One form, one fleet
Describe the fleet once, instead of repeating yourself to each broker.
Advice given
We are an introducer, not a broker. We do not sell policies and we do not recommend one insurer or product over another. Read our editorial policy.
Authorised and regulated
MyMoneyComparison.com Ltd appears on the FCA register under FRN 916241.
Incorporated
A UK company since 2013. FCA authorisation is separate and later; the register carries its date.
FAQs
Private Hire Fleet Insurance FAQs
Answers on cover, cost, eligibility, renting to drivers, licences, apps and the fleet claims record.
What is private hire fleet insurance?
A single motor policy covering two or more private hire vehicles run by the same operator or owner. It gives hire and reward cover for pre-booked passengers, passenger liability and the cover level you choose on each car.
Who can get private hire fleet insurance?
Licensed operators, car rental firms and owners running two or more private hire vehicles. Each insurer sets its own minimum, and a new fleet without history can still be quoted.
What does private hire fleet insurance cover?
Third-party injury and damage, passenger liability and, at higher levels, fire, theft and damage to your own cars. Replacement vehicles, public liability and breakdown can be added.
How much does private hire fleet insurance cost?
There is no typical price. The number and value of cars, the drivers and how often they change, the bookings, where the cars are kept and the claims history all play a part. We do not print average premiums.
How many cars make a fleet?
It depends on the insurer. Some start a fleet policy at two vehicles, others at three or more. Below that, single policies for each car are usually the route.
What is the difference between private hire and public hire?
A private hire vehicle must be pre-booked and cannot be hailed or use ranks. A hackney carriage can. See our public hire insurance and public hire fleet insurance pages.
Can I rent my cars to self-employed drivers?
Yes, many fleets work this way. The policy needs driving terms that cover renters, and the insurer will want to know how you check each driver before they take a car.
Do drivers need their own private hire badge?
Yes. Every driver carrying passengers for hire needs a private hire driver licence from the council, and the insurer will only cover drivers who hold one and meet its terms.
Does the operator need a licence too?
Yes. A business taking private hire bookings needs an operator licence, and each car needs a vehicle licence. The insurer may ask for all three.
Can app-based work go on the policy?
Usually, yes, as long as every platform is declared. Some insurers ask which apps your drivers use and how much of the work comes through them. See our Uber insurance page.
Can one policy cover private hire and hackney vehicles?
Often. Some insurers write mixed taxi fleets on one schedule if each vehicle’s licence is declared, which keeps the whole fleet on one renewal date. See our mixed fleet insurance page.
Can drivers with convictions be covered?
Sometimes. Each conviction is declared and the insurer decides, often with an extra excess or by approving the driver individually. Serious convictions can rule a driver out.
Is a fleet no claims bonus different from a personal one?
Yes. A fleet builds its own claims experience as a whole rather than each driver carrying a bonus. See our fleet no claims bonus guide.
Can I add a car partway through the year?
Usually, yes. A new vehicle is added from the date you tell the insurer, with an adjusted premium for the rest of the term. Tell them before the car goes to work.
Who pays when a rented car is off the road?
Usually the operator, because the rental income stops. Replacement vehicle cover keeps a car earning while repairs are done, so it is worth pricing on a rental fleet.
Do I need employers’ liability?
If you employ drivers or office staff, usually yes. If drivers genuinely rent the cars as self-employed, the position differs, so confirm which arrangement you have. See our employers’ liability insurance page.
Does telematics help a private hire fleet?
Often. On a rental fleet it is one of the few ways to see how another person is treating your car, and some insurers offer better terms for fleets that use it.
How is this different from business fleet insurance?
Business fleet insurance covers vehicles a company uses for its own work. A private hire fleet carries fare-paying passengers, so it needs hire and reward cover. See our business fleet insurance page.
What if I run a small firm with just a few cars?
A few cars can still go on a fleet policy, or on a mini fleet arrangement with some insurers. See our small business fleet insurance and mini fleet insurance pages.
How do I compare private hire fleet quotes?
Look past the price to the rules for new drivers, the excess on each claim, replacement vehicle cover, how mid-term changes are charged and whether claims experience letters are provided.
Ready when you are
Get Quotes for Your Private Hire Fleet
Tell us what the business runs. Specialist UK fleet brokers can then come back with quotes. Free to use, with no obligation to buy.
- Rented and employed drivers
- Free to use, no obligation
- FCA authorised and regulated
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About this page
This page explains UK private hire fleet insurance: what it covers, who can get it, and how driver turnover, the bookings and the fleet claims record shape a quote. It is general information rather than advice. Policies differ between insurers, so read your own documents and put the questions raised here to your insurer or broker.
How we approached this page
- Published UK taxi and fleet policy summaries
- How councils license private hire operators, vehicles and drivers
- Financial Ombudsman material on motor and liability complaints