Taxi, minicab, and courier fleets are on the road far more intensively than a typical business fleet, and the insurance market treats them as a distinct, specialist category as a result.
Taxi and courier fleet insurance covers vehicles used for hire and reward, carrying passengers or goods for payment, which standard business or even standard fleet insurance typically excludes entirely.
The gap that catches new operators out: A standard business or fleet policy without hire and reward cover will not pay out for an incident that occurs while carrying a fare-paying passenger or delivery, even if every other detail of the policy looks correct. This needs to be explicit, not assumed.
Taxi and minicab operators, private hire fleets, courier and delivery businesses, and food delivery fleets, anyone whose vehicles earn money by carrying people or goods for a fare or fee.
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See My Cover Options →Hire and reward cover requirements are specific and vary by operator type. Always confirm exact licensing and cover requirements with a specialist broker.