Protection for taxi and private hire fleet operators
Passenger Liability Insurance is designed to protect taxi and private hire businesses if a passenger is injured while being carried in, entering, or exiting an insured vehicle.
For businesses operating multiple taxis or private hire vehicles, passenger liability is a critical cover, helping to protect against compensation claims and associated legal costs.
What’s typically covered
- Injury to passengers while in the insured vehicle
- Injury while passengers are entering or exiting the vehicle
- Legal defence costs associated with passenger injury claims
- Cover operating in conjunction with fleet motor insurance
Cover applies subject to policy terms, conditions and limits.
Who it’s suitable for
- Taxi fleet operators
- Private hire vehicle fleets
- Chauffeur and executive hire fleets
- App-based and contract passenger transport providers
Claim example
A passenger slips while exiting a taxi at a roadside drop-off and sustains an injury. A claim is made against the taxi operator. Passenger liability insurance can respond to the claim, covering compensation and associated legal costs.
Why this cover matters
Taxi and private hire operators have a duty of care to passengers. Even minor incidents can result in costly claims. Passenger liability insurance helps protect your business from the financial impact of passenger injury claims and supports continued compliance with licensing and contractual requirements.