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London private hire
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Home / Taxi & Private Hire Insurance
LONDON ROOTS. PERSONAL SERVICE.
Taxi &
Private Hire
Insurance.
Your work. Your vehicle.
Insurance arranged around you.
Insurance for drivers working through apps, local operators and public hire. Explore your options with an independent broker who takes the time to understand your work.
An initial enquiry. Cover starts only when arranged and confirmed.
Independent since 1978
Based in Crouch End, London
Speak to a real broker
INSURANCE FOR PRIVATE HIRE DRIVERS
Drive for Uber, Bolt
or a local operator?
Your insurance needs to match the passenger work you do. Tell our team which apps and private hire operators you drive for.
Driving for apps
Local operator work
Airport transfers
Chauffeur work
Working across different platforms, carrying passengers and making deliveries can involve different insurance requirements. We’ll check the intended use with the insurer.
Mention of an operator does not imply a partnership or approval. For London Uber work, insurer acceptance and document integration must be checked.
Explore your requirements
More ways to work in private hire
Tell us about all your passenger work, whether through Uber, Bolt, FREENOW or a local operator. The insurer must accept the activities and each operator may have its own document requirements. References to platforms do not imply a partnership.
02
Electric and hybrid vehicles
Explain ownership, value, charging arrangements and the replacement vehicle you would need after an insured incident. Battery, charging cable and recovery benefits need checking.
03
A growing operation
If you have several vehicles or rent vehicles to drivers, describe the full business arrangement. An individual taxi policy should not be assumed to cover a fleet or rental operation.
ESTABLISHED
1978
An independent insurance broker
since 1978
London roots. Looking ahead.
WHY CROSSROADS
More than four decades.
Still personal.
Insurance is about your working life. We start with a conversation.
01 / THE CROSSROADS APPROACH
Independent markets. Personal attention.
We explore the options available through specialist insurance markets, based on your vehicle and the work you do.
02 / THE CROSSROADS APPROACH
People you can speak to.
Tell us what you need and ask the questions that matter to you. Our team will talk you through the available options.
03 / THE CROSSROADS APPROACH
Know where you stand.
We explain the cover, excesses and relevant terms before you decide. You can ask us about the details at every stage.
01 / YOUR LEVEL OF COVER
Compare the cover.
Choose with confidence.
Three familiar levels. We’ll explain the options available for your vehicle and work.
01 / COVER LEVEL
Third Party Only
Cover for your legal liability to other people.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Not included
Accidental damage to your vehicle
Not included
Windscreen repair or replacement
Not included
Does not insure loss or damage to your own vehicle.
02 / COVER LEVEL
Third Party, Fire & Theft
Third party liability, plus fire and theft protection.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Included
Accidental damage to your vehicle
Not included
Windscreen repair or replacement
Not normally included
Adds fire and theft cover, but not accidental damage to your vehicle.
03 / COVER LEVEL
Fully Comprehensive
Third party liability and wider protection for your vehicle.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Included
Accidental damage to your vehicle
Included
Windscreen repair or replacement
Check policy terms
Windscreen benefits, excesses and repair arrangements vary by insurer.
This is a general comparison, not a policy summary. Availability and benefits depend on the insurer. The policy wording and certificate set out the actual cover and permitted use.
Not sure which level to choose?
We’ll explain the available cover and excesses before you decide.
02 / YOUR TIMEFRAME
A week.
A few months.
The year ahead.
We arrange 7-day, 30-day, 90-day and annual policies, subject to eligibility and insurer availability.
EXPLORE POLICY LENGTHS
7
DAYS
A week of cover
Our seven-day taxi enquiries are for third party only cover. Tell us the dates and work you need insured; eligibility must be checked.
30
DAYS
A month at a time
Explore a 30-day policy for a shorter period of work. Check the start and end dates and arrangements for further cover.
90
DAYS
A longer short-term option
A 90-day policy may suit a defined period of work. We’ll explain the available cover and cancellation terms.
12
MONTHS
Cover for the year ahead
An annual policy provides a 12-month period of cover. Ask about the payment options available for your circumstances.
Short-term cover and monthly instalments on an annual policy are different arrangements. Not all options are available for every risk.
03 / OPTIONAL EXTRAS
Extra support.
Where it matters.
Add protection for the things your main motor policy may not cover.
01 / 06
Motor Legal Cover
Help with legal costs to recover uninsured losses after a non-fault accident, such as your excess or loss of earnings.
What we’ll help you check
- Which uninsured losses can be pursued?
- What conditions apply before legal costs are authorised?
- How do I report an incident and request assistance?
02 / 06
Motor Breakdown
Roadside help and recovery if your vehicle breaks down. Home assistance and other benefits depend on the cover selected.
What we’ll help you check
- Is my licensed taxi or private hire vehicle eligible?
- Which roadside, recovery and home-assistance services are included?
- What should I do if the vehicle breaks down?
03 / 06
Guaranteed Vehicle Hire
Access to a replacement licensed vehicle following an insured incident while yours is repaired or replaced, subject to eligibility and hire limits.
What we’ll help you check
- Which incidents qualify for a replacement licensed vehicle?
- How long is hire available and what are the eligibility conditions?
- What happens if my own vehicle cannot be repaired?
04 / 06
Motor Excess Protection
Reimbursement of an eligible motor policy excess after your motor insurance claim is settled, up to the protection limit.
What we’ll help you check
- Which excess payments are eligible for reimbursement?
- What limit applies and when can I claim?
- Which settlement documents will I need?
05 / 06
Motor Public Liability
Cover for certain liability claims from members of the public arising from insured business activities. Ask us how this works alongside your motor policy.
What we’ll help you check
- Which business activities does the policy cover?
- How does it work alongside my motor insurance?
- What limits and exclusions apply?
06 / 06
Key Protection
Help with the cost of lost, stolen or accidentally damaged vehicle keys, including eligible replacement keys and locks.
What we’ll help you check
- Which keys and locks are covered?
- What limit and claim conditions apply?
- How do I arrange an eligible replacement?
Select an option to explore it. Optional covers are subject to availability, limits, exclusions and policy terms. We can provide the full wording before you decide.
GETTING STARTED
Three steps.
Let’s get started.
01
Tell us about your work
Send a short enquiry or call the team. Tell us your vehicle, operators and when you need cover.
02
Explore your options
We discuss available cover, optional extras and payment arrangements, including the relevant terms.
03
Confirm before you drive
Complete the required information and arrangements. Check your documents and the confirmed start date.
Useful details to have ready
Vehicle registration · Driving and private hire licences · Licensing authority · Claims and convictions · No-claims evidence · Required start date
Ready to discuss your cover?
Send a short enquiry and we’ll contact you to discuss your requirements.
CUSTOMER EXPERIENCES
Real people.
In their own words.
Read what customers say about their experience with Crossroads.
A LITTLE MORE CLARITY
Your questions
answered.
From your first private hire policy to a change of vehicle, start here.
Understanding your cover
What is the difference between private hire and public hire?
Private hire journeys are pre-booked. Public hire taxis may also use ranks or accept street hails where licensed. Tell us which work you do so the policy can be checked against it.
Is PCO insurance the same as private hire insurance?
PCO insurance is a commonly used description for London private hire insurance. The description alone does not establish suitability: your licensed use, documents and policy terms need checking.
Does ordinary car insurance cover paid passenger journeys?
Do not assume personal car insurance or ordinary business use covers paid passenger work. Tell us about hire and reward use before arranging insurance.
Will I be covered when I am not working?
Check the permitted uses on your certificate. Personal use, commuting and who may drive depend on the policy; we can explain the wording available to you.
Is a replacement taxi included if my vehicle is off the road?
It is not automatic. Ask about licensed replacement vehicles, the events covered, eligibility and time limits. A standard courtesy car may not be suitable for your passenger work.
Which optional extras can I ask about?
Motor legal cover, breakdown, guaranteed vehicle hire, motor excess protection, motor public liability and key protection. We’ll explain availability, benefits and exclusions before you decide.
Does comprehensive insurance include every extra?
No. Comprehensive describes the level of motor cover. Breakdown, excess protection or a replacement licensed vehicle may require separate cover. Check what is included rather than relying on the policy name.
Your vehicle and driving work
Can you help with insurance for Uber or Bolt?
Tell us which platforms you use. We need to check available policies against your work and the platform’s requirements. Acceptance by an insurer does not automatically mean acceptance by an app.
What should London Uber drivers check?
Uber currently requires London drivers to use an accepted insurance provider integrated with Instadoc. Ask us to check this before proceeding. Read Uber’s current requirements.
Can I use several apps or also do food deliveries?
Declare every operator and all passenger or delivery work. Delivery cover should not be assumed to be included. We can ask about the uses permitted by the available policy.
Can I insure an electric, hybrid or rented vehicle?
Tell us the model and whether you own, lease or rent it. Acceptance depends on the insurer and arrangement. We also need to know who is responsible for insuring the vehicle.
Can a new driver or someone with claims request a quote?
Yes, you can send an enquiry. Tell us your experience and history accurately. The available insurers’ criteria determine whether a quote is possible; acceptance is not guaranteed.
Can I use my private car no-claims discount?
Tell us what evidence you have and when it was earned. Acceptance or an introductory discount depends on the insurer. Do not assume private car discount transfers automatically.
Quotes, policy lengths and payments
What information should I have ready?
Your vehicle registration, licence details, licensing authority, operators, expected mileage, claims and convictions. If available, have your renewal information and no-claims evidence ready too.
Does sending this form mean I am insured?
No. It requests contact from our team. Cover must be arranged and confirmed, with the required information and payment arrangements completed, before you rely on it.
How do I speak to Crossroads?
Call 020 8374 9331, Monday to Friday, 9am–5pm, or send a quote enquiry. Our address is 133 Tottenham Lane, Crouch End, London, N8 9BJ.
What policy lengths can you arrange?
We arrange 7-day, 30-day, 90-day and annual cover, subject to insurer availability and eligibility. Tell us your dates and work so we can explore the options.
Is paying monthly the same as a 30-day policy?
No. Instalments may spread the cost of an annual policy, with a finance agreement and possible interest or charges. A 30-day policy is a shorter period of insurance. Ask us to explain the arrangements available.
Policy changes and cancellation
Can I change my vehicle during the policy?
Contact us before making the change. Acceptance, any additional premium and fees depend on the policy. Check that the replacement vehicle is covered before driving it.
Can I cancel a short-term or annual policy?
Contact us for the applicable cancellation terms. Refunds, fees and any finance balance depend on the contract, time on cover and claims position. Do not assume unused days will be refunded.
OTHER WAYS TO WORK
Find your next route.
YOUR VEHICLE. YOUR LIVELIHOOD.
Every journey
starts with
the right cover.
Insurance arranged around the passenger work you do.
LET’S TALK ABOUT YOUR COVER
Your next journey
starts here.
Tell us what you need. We’ll take it from there.
Monday–Friday · 9am–5pm
133 Tottenham Lane, Crouch End, London, N8 9BJ