Does taxi insurance cover any driver and any passenger?
Passengers are covered as standard, but drivers are not automatically. Most taxi policies cover named drivers only, though some offer any-driver cover at extra cost.
How driver and passenger cover works
Fare-paying passengers are protected by the hire and reward element of every taxi policy, so you don't need to name them. Drivers are different.
Most policies are arranged on a named driver basis, meaning only the people listed can drive the taxi for hire and reward. To let others drive, you'd usually need:
- To add each driver as a named driver, or
- An any-driver policy, often used by fleets, at a higher premium
Allowing an unnamed person to drive your taxi for hire and reward can leave you uninsured, so always check who is listed. When you compare quotes, confirm whether you need cover for additional drivers and choose a policy that reflects how your vehicle is used.
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Are taxi passengers automatically insured?
Yes. Hire and reward cover protects fare-paying passengers without you needing to name them on the policy.
Can I add another driver to my taxi insurance?
Usually yes. You can add named drivers, though each must hold the right licence and badge, and your premium may change.
What is any-driver taxi insurance?
It allows any suitably licensed driver to use the vehicle for hire and reward. It's common for fleets but costs more than named cover.