PCO Insurance

PCO insurance
for drivers who work.

Private hire cover for Uber, Bolt and licensed drivers — including newly licensed, imperfect credit and drivers the comparison sites will not quote.

Start My Enquiry 💬 WhatsApp Us

No obligation · Specialist insurers · Response within 2 hours

ICO Registered — ZC067741
Non-standard risks welcome
Specialist insurer panel
UK based team

Simple Process

How it works

01

Tell us about the risk

Your details, the vehicle, how it is used and anything on your licence. Accuracy here matters more than anywhere else.

02

We approach the market

We put your details to insurers and schemes that cover your circumstances, including specialist markets you cannot reach direct.

03

Quotes come back to you

You see the cover, the excess and the price. You decide — there is no obligation to take any of them.

04

Cover starts

Once you choose, the insurer sets your policy up and the documents come from them direct.

Why choose us

Cover built around the badge, not against it

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Specialist markets

Convictions, claims, non-standard use and unusual vehicles — the schemes that cover these rarely appear on comparison sites.

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Declared properly

Non-disclosure is what voids policies. We make sure everything is on the record, so a claim cannot be refused for something you forgot to mention.

Quick turnaround

Most enquiries get a response within two hours, so you are not left off the road waiting.

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Cover that actually fits

The cheapest premium is worthless if the cover is wrong for how you use the vehicle. We check that first.

Start your insurance enquiry

No obligation. Tell us about the risk and we will come back within 2 hours.

🔒 Your data is protected under ICO registration ZC067741. We never sell your details.

✅ Enquiry received!

Thanks — one of our advisors will be in touch within 2 hours.
In the meantime, feel free to WhatsApp us if you have any questions.

Common Questions

PCO insurance, answered

Private hire is a specialist class and most mainstream comparison panels do not quote it properly. Cover has to reflect that you carry paying passengers, which is a fundamentally different risk from social and domestic use.
Yes, though the market is narrower and the premium higher in year one. Some schemes want a minimum period of licence or driving experience; others will look at newly licensed drivers with a clean record.
It can affect whether you can pay monthly, since instalments are a credit agreement and are credit-searched. It has less bearing on whether you can be covered at all. Paying annually sidesteps the issue entirely where that is affordable.
If you carry paying passengers, yes. Standard private car insurance does not cover it, and driving on the wrong class of cover can leave you uninsured at the worst possible moment — and in trouble with your licensing authority.
Yes. You will normally need comprehensive cover, and the finance company should be noted as the interested party on the policy. Tell us at enquiry stage and we will make sure it is set up correctly.