PCO Insurance (London)

London PCO insurance.
Cover built around TfL's rules, not around a guess.

Driving private hire in London means TfL licensing, the ULEZ zone and some of the busiest, highest-claim roads in the country. We introduce you to schemes that specifically price for London private hire work.

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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

London private hire is its own risk category

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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 London, answered

TfL has its own requirements for what a private hire insurance policy must show for licensing purposes. Check the current requirements before buying, and make sure whoever arranges your cover confirms it meets them — a policy that's otherwise fine can still cause a licensing headache if it's not documented correctly.
Generally yes. London's traffic density, claims frequency and vehicle values all push premiums up compared with private hire cover outside the capital — it's priced as its own risk category by most insurers.
Not directly for the insurance policy itself, but they affect your overall running costs and are worth factoring into your numbers alongside the premium when you're weighing up a vehicle.
Yes, though expect a higher premium in year one. Insurers weigh your general driving history and age alongside licence tenure, so a clean licence outside private hire still counts for something.
Tell your insurer which platforms you work with — Uber, Bolt, FreeNow or others — since some schemes are built around specific platform relationships and others are platform-agnostic. Getting this detail right avoids a claim being questioned later.