If you’re planning on becoming a Taxi driver in London, we suggest reading our national Taxi Insurance Guide first so that you know the ins and outs. Our national guide will give you the general foundations of Taxi insurance whereas this focuses solely on London Taxis and PCO insurance.
To carry passengers for hire and reward in London, you will need to be issued a PCO licence by TFL. In order to obtain this licence, there are many steps that need to be followed. Without a PCO licence, you won’t be able to work as a Taxi driver in the capital.
Before you apply for your licence, you need to decide which area of London you wish to work within. There are two different types of PCO licences that are specific to different areas:
Drivers can carry passengers for hire & reward anywhere in the Greater London Authority area.
Drivers can carry passengers for hire & reward in one of the nine sectors in the suburbs of the Greater London Authority area.
Once you have decided the area you wish to work in, you will need to decide on what type of Taxi driver you want to be.
London minicab driver
London black cab driver
To understand the differences between private hire and public hire check out our national Taxi Insurance Guide.
In order to gain a PCO licence you will need to meet the minimum requirements set by TFL. These are put in place to protect passengers as well as other road users. Part of their requirements are that you’re medically fit and must be of good character. To prove this, you must undertake an enhanced criminal records check from the Disclosure and Barring Service (DBS). You must also undertake a medical examination with someone who has access to your medical history.
The first step in becoming a London Taxi driver is obtaining your badge. If you do not meet the criteria set out below, you will not be able to apply for a London Taxi badge.
If all of these requirements are met, you will then need to pass the Knowledge of London assessment. Taxi drivers must have a thorough knowledge of London and be able to demonstrate this during a seven stage assessment.
If you meet all these requirements, a topographical skills assessment needs to be taken at an accredited assessment centre.
Now that you have your Taxi badge from TFL, you can apply for a PCO vehicle licence. Just like applying for the Taxi badge, there are different PCO vehicle licence requirements depending on whether you are public or private hire.
In order to apply for a licence the vehicle must meet the following criteria:
If you are planning on working for Uber in London, you’ll need to follow the same steps as the private hire Taxi licensing.
Uber may have their own requirements of their drivers and therefore it is best to check their website for specific driver and vehicle requirements.
As well as multiple levels of vehicle insurance to suit your requirements and budget, we can offer additional products to fully tailor your PCO insurance package. All of the following products are optional but can benefit your daily work in many different ways. Our experts are on hand to fully explain the features and benefits of each product.
Full UK breakdown cover provided by the RAC. Keeping you on the road 365 days a year.
Cover the cost of your excess should you be at fault in an accident.
Financial protection for any claims bought against you by members of the public that relate to injury or property damage caused by you.
Provides up to £100,000 worth of legal expenses, covering solicitors and court fees, including Personal Injury and Loss of Earnings cover.
Keep on working even if you have an accident that was your fault
Protect your car keys for loss and theft and automatically get cover for other keys on your fob.