Private hire taxi insurance
Providing flexible, private hire insurance from just one day for those who work on an infrequent basis.
Making taxi insurance more flexible
With the introduction of on-demand services like Uber and Gett, the private hire taxi industry has seen a dramatic change over the last few years. This has sparked a change in driver behaviour, as private hire drivers have sought to work in a more flexible manner. However the insurance industry hasn’t moved with the times, with the typical private hire insurance policy taking the form of an annual policy.
To make policies more flexible and in line with people’s new driving behaviours, we have introduced temporary private hire taxi policies starting from just one day.
Benefits of our private hire taxi insurance
From just one day
Unlike with other insurers, you can buy fully comprehensive insurance from just one day.
Get a quote in seconds via our mobile app.
All of our policies are fully comprehensive so you are completely covered.
How our private hire taxi insurance works
Create an account in app
Manage your account while you’re on the go.
Choose your private hire vehicle
Enter the registration plate.
Sign up as a private hire driver
Our one-off sign-up process takes a couple of minutes.
Wait to be authenticated
We will typically authenticate your account
within a few hours.
Buy policies instantly
Once you’ve been authenticated you can buy a
policy in a matter of seconds.
Who can use our private hire taxi insurance
- A full UK licence issued by the DVLA (held for at least 5 years)
- A private hire or dual licence
- To be between 25-70 years old
- To have been a permanent resident of the UK for at least 5 years
- To be the vehicle owner (i.e. no fleet or hire cars)
- To have a private hire licensed vehicle, which:
- Must not be licensed to carry more than 4 passengers
- Can be up to 15 years old
- Is worth between £1,500-£20,000
- Is not imported
Our private hire insurance cannot be used for public hire although this is something we may look to offer in the future. If daily public hire insurance is something that would interest you, message our customer support at any time to register your interest.
Have any questions?
What our customers love
What a fantastic app and company to use. Cuvva have made something that used to use up a fair amount of time and effort into something so simple! Once set up on the app it actually takes 30 seconds to be insured!
Easy to use and gives peace of mind. My husband could borrow my friend’s car for a couple of hours work – no hassle whatsoever.
The whole concept behind Cuvva changes the rules on car insurance and creates a genuinely useful and innovative way to think about driving. I would recommend the app without any hesitation.
Frequently asked questions
How long can policies be?
At the moment, short-term private hire policies can last from anywhere between 1 to 4 days. It’s also possible to extend a policy too. We’re hoping to be more flexible in the future so you can purchase a policy for exactly the time that you need.
Can I purchase taxi insurance?
To purchase a short-term private hire policy with us, you’ll need to have the following:
- A valid private hire/dual licence (unfortunately not public hire licences at the moment)
- A valid private hire vehicle licence in your own name
- A vehicle that is owned by you or your spouse
- Be over the age of 25
- Have an existing policy on the vehicle
- Have held your driver’s licence (DVLA) for over 5 years
How much am I likely to pay?
It’s very difficult to provide an accurate estimate for this, since a number of things are taken into account. Some factors we consider include your location, your vehicle and your age, along with other personal details. It’s therefore probably best to wait until the verification of your details is complete and you will then be able to generate an accurate quote.
How long does the verification process take?
We are as keen to get you enrolled as you are! Once we have a photo of your taxi licence, a photo of your taxi vehicle licence, and the date your taxi licence was valid from we will verify these as quickly as possible!
Some licensing authorities allow us to confirm your details immediately but others take much longer. If you have a TFL issued licence, we should be able to verify this within 24 hours. We will get back in touch after your account is set up and you'll then be able to request a quote within the app.
Do I need to own the vehicle?
Yes, at the moment, either you or your spouse need to own or lease the vehicle you will be driving. This unfortunately means that if you currently rent your vehicle, it won’t be possible for you to purchase our private hire cover. We hope that this will change in the future!
What if I have a public hire licence?
We will still actively enrol you onto our system but unfortunately, you will be unable to purchase a policy at the moment. We hope to release the product to public hire licence holders soon!
What happens if I run out of time or battery?
Don’t worry! You can extend your policy in the app in a couple of clicks. We would, however, recommend you give yourself some leeway and don’t have any last minute panics with no phone battery. You should not, under any circumstances, drive without insurance.
What do you do if you have an incident?
All claims are handled by the Underwriter, so you should call them as soon as possible.
If significant damage has occurred or anyone has been injured, you should call the police. If the police do arrive, get the name and number of the police officer and take note of the crime reference number you are given. Other things you can do: - Take pictures of the incident with your phone. - Record the names and contact details of those involved and any witnesses. - Even if you think it may have been your fault, we would recommend not making any admission of fault or apology at the scene.
Cancellations and refunds
As a provider of short term car insurance, Cuvva and its underwriters are under no obligations to offer refunds (ICOBS 7.1.3 if you are interested). When you purchase a policy from us, we:
- Pay a fee to check Claims and Underwriters Exchange (CUE) to ensure that your declared claims/incidents history matches the insurer database
- Pay Stripe (payment provider) for administering the payment
- Issue a certificate of motor insurance on behalf of the underwriter
- Add your VRM to the MID
Many of these processes cost time and money, so, given the short-term nature of the policies, a cancellation/refund is an added cost. It is, however, always possible to cancel a policy if you wish to do so.
N.B. If you have active insurance on a vehicle you have sold, we would recommend that you cancel your cover immediately. If a claim were to come in from the new owner, this could end up as a claim against your insurance!
If you have a problem using the app or purchasing insurance and you would like to speak to us, the easiest way to do so is using our online chat function. This can be done in app, on the website (using the speech bubble) or by emailing firstname.lastname@example.org. On average, we will get back to you within 2 minutes!
Claims and Underwriting Exchange (CUE)
Once you’ve selected the policy you would like, we have to check the CUE database before you can make a purchase. This holds a log of all incidents and claims within the past 5 years involving cars, vans and motorbikes/scooters. If your declarations do not match CUE your purchase will fail. It is therefore very important to declare any incidents from within the past 5 years, both at fault and not at fault, and as the driver, passenger or named driver. By not declaring these, you may not be able to purchase with Cuvva for a number of months.
Motor Insurance Database (MID)
All purchased car insurance policies are added to the MID (Motor Insurance Database) and any policy can be checked by visiting the AskMID website. Unfortunately, the database updates irregularly, sometimes as little as once a week and, in addition, the police ANPR camera database is updated weekly. This can mean that the police may stop you for “driving without insurance” when you are fully insured. If this happens you can show the officers your policy documents and ask that they do a live MID check.