Taxi Insurance Guide

Does Zego Offer Taxi Insurance?

– Compare Taxi Quotes From Specialist Brokers

Zego offers flexible pay-as-you-go taxi insurance and annual private hire insurance for taxi and ride-hail drivers. If you’re exploring your options, compare quotes from a panel of specialist taxi insurance brokers below.

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MultiQuoteTime is not affiliated with Zego. Quotes are provided by an independent panel of specialist taxi insurance brokers, not by Zego.

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Why compare Zego Taxi insurance with MultiQuoteTime?

MultiQuoteTime understands how time-consuming and sometimes frustrating it can be to get multiple insurance quotes from a range of taxi insurance providers—especially when your time is limited.

Streamline your private hire taxi insurance comparisons in minutes!

MultiQuoteTime provides you with fast access to multiple quotes, with the option to filter results to only those that meet your insurance requirements. Get started by simply completing one easy form to obtain multiple quotes – and it’s 100% free!

Getting multiple quotes and finding cheap monthly taxi insurance through MultiQuoteTime has never been easier!

ZEGO Taxi insurance

Guide to ZEGO Insurance Services

Founded in 2016 by ex-Deliveroo managers Sten Saar and Harry Franks in 2016 to offer flexible, pay-as-you-go insurance tailored for the growing gig economy working in delivery sectors for financial reward.

Zego’s tech-driven approach—branded as Zego Sense—has transformed traditional insurance by delivering tailored policies for gig economy workers who use their own vehicles across multiple business activities.

What’s included with a ZEGO private hire policy?

The table below highlights the key differences between Third Party cover and Fully Comprehensive private hire cover offered by ZEGO.

Fully CompThird Party
Private hire work, food and parcel delivery work, plus personal drivingYesYes
Unlimited liability for causing damage to other vehicles or property while drivingYesYes
Unlimited liability for causing injury or death to other people while drivingYesYes
Loss, damage or theft of your vehicle and its spare partsYesNo
Windscreen (£25 excess for repairs or £100 for replacements)YesNo
Public liability cover up to £10mYesYes

Information needed for multiple quotes

This is what Zego Insurance will need to calculate an accurate private hire taxi quote:

To receive an accurate quote, it’s important to provide all the necessary information to ensure every coverage need is met. The key details are outlined below.

The policy may be void if a taxi is operated outside its designated area. To stay protected, make sure to include all areas where the cab is expected to operate.

The cost of taxi cover is partly determined by the number of seats—more seats generally mean higher risk. Therefore, it’s important to accurately specify the vehicle’s seating capacity.

Which ride‑hail or food delivery platform(s) do you drive for? (e.g., Uber, Bolt, Free Now, Ola)

Valid UK or EU driving licence (number, type, issue date). Upload a clear image.

When you would like your policy to start

Zego lets you Choose between Monthly and Annual Cover

Zego are one of a growing number of taxi insurance companies that offer flexible term cover options

Monthly (30 days)

The demand for flexible temporary taxi insurance continues tol gow and Zego is filling the gap!

Short-term insurance cover.
ncludes personal use and hire and reward (H&R) insurance
Must pay upfront with one single payment

Annual (12 months)

The demand for flexible temporary taxi insurance continues tol gow and Zego is filling the gap!

Tradition annual long term cover
ncludes personal use and hire and reward (H&R) insurance
Buy with a single payment or monthly instalments (deposit required upfront).

MultiQuoteTime Shares Tips on getting Affordable taxi insurance in 2025

Taxi drivers may be able to get a cheaper taxi insurance quote by taking measures to improve safety. Safe driving should also result in a driving record with few or no claims, leading to future no claims discounts. A clean driving record plays a significant role in calculating cost of cover. Additionally, take time to compare options from multiple providers of taxi insurance. Sites like Multi Quote Time are able to provide access to taxi insurance providers.

1. Work with your broker – Part of an insurance provider’s job is to try to prevent unnecessary accidents from happening in the first place. To achieve this, insurers often recommend risk improvement measures to policyholders, either prior to or following the policy application process. These measures are designed to enhance safety and reduce potential claims
2. Taxi security : If your taxi lacks a factory-fitted immobiliser, consider installing one. Ensure it’s professionally fitted and complies with insurance industry standards. This proactive measure can enhance vehicle security and potentially reduce insurance premiums.
3. Location And Security – A large part of a taxi and private hire risk is theft, vandalism and arson. This is much more of a problem in some areas than in others, so it’s worth considering this when you’re working out where to park your taxi. Opting for secure parking options, such as locked garages or areas with surveillance, can mitigate these risks. Implementing security measures like alarms, immobilisers, and CCTV can further reduce the likelihood of incidents. Both the parking location and security enhancements can lead to substantial reductions in your insurance premium. Informing your insurer about these precautions ensures they accurately assess your risk profile and offer appropriate discounts
4. Taxi Dash Cam – Install a taxi dash camera, this will let your insurance provider to process any claims quicker and may have the added benefit of safeguarding you from fraudulent claims. Fraudulent claims are on the rise!
5. Pay Upfront – Pay your insurance as a one off annual payment rather than choose monthly taxi insurance payments. For some, taxi drivers, the extra fees are acceptable for the added ease of budgeting.
6. Agree a Higher Excess – When you get a quote, there is often an involuntary excess on the policy that, in the event of an accident, you must pay before the insurer will pay the rest of the losses. This type of excess is present due to a particular risk being very high, and so is not found on every policy. In either case, you can usually offer to pay a voluntary excess on top of the involuntary excess to reduce your premium further. This excess can be specific to a risk, such as flood, or general, and can range from £250 to £5,000.

ZEGO taxi Insurance reviews:

One common rule of reviews is that most people who leave them are upset. Happy customers rarely think about leaving a review. AI overview : “Customers consistently praise the high-quality service provided, highlighting the positive interactions with customer service and staff members”

Trustpilot (UK & NZ): 4.3–4.4 ★ from over 11,600 reviews—strong praise for friendly, helpful customer support

Compare multiple taxi insurance quotes

Comparing different insurers is crucial when looking for the best taxi insurance coverage. ZEGO might be an attractive option, but it’s always wise to explore all possibilities. By thoroughly investigating various insurers, you increase your chances of finding a policy that perfectly matches your needs and budget. 

Get Multiple Quotes

Helpful Links: 

Licensed Taxi Drivers’ Association – A membership group for taxi drivers, the LTDA is also a support group for those that work in the trade.

National Private Hire Association – The NPHA is an organisation that provides useful support and help for cabbies everywhere.

Frequently asked Questions FAQ’s

UK Taxi Insurance Provider Guides

Informational guides to UK Taxi Insurance Companies. MultiQuoteTime is an Introducer Appointed Representative and is not affiliated with the providers listed below. The guides provide some details about the provider and attempt to highlight the key elements of what they offer.

Penk

Guide to Penk’s taxi insurance options, cover types and how to apply

Nelson Insurance

What Nelson Insurance offers taxi drivers and the alternatives to consider

Flag

Flag’s taxi cover explained, including eligibility, options and how it compares

Bells

A guide to Bells for private hire, hackney and PCO taxi drivers

Insurhur

Insurhur’s taxi cover explained, including policy types and driver eligibility

Freeway

What Freeway offers UK taxi drivers and how their cover is structured

Haven

A guide to Haven’s taxi cover, driver eligibility and policy options

Towergate

Towergate’s taxi insurance range explained, covering fleets, private hire and hackney

Aviva

Aviva’s taxi and PCO cover options for UK drivers, explained

Acorn

Our guide to Acorn’s taxi cover for hackney, private hire and fleet drivers

Westminster

Westminster’s taxi insurance explained, including underwriters and cover types

Collingwood

What Collingwood offers UK taxi drivers and who their cover suits best

Patons

A guide to Patons’ taxi insurance and the kind of drivers they quote for

Cover My Cab

Cover My Cab’s taxi policies, specialisms and how to get a quote

Riviera

Riviera’s taxi cover explained, with options, eligibility and alternatives

Todd

Todd’s taxi insurance explained, including driver eligibility and cover options

A19

A19’s taxi insurance explained, from private hire to hackney and fleet cover
Eamonn Turley
Last Updated: 18 Feb 2026
Reviewed by: Eamonn Turley, Insurance Specialist
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