Private Hire insurance covers licensed Private Hire drivers who transport passengers, or deliveries of food and parcels for pre-booked customers who order a ride by phone, text, or mobile app. Private Hire drivers may not pick up passengers who hail them in the street.

Public Hire insurance covers licensed Hackney Carriage drivers (black cabs), who may transport passengers, or deliveries of food or parcels for customers who order a ride by phone, text, or mobile app, or who hail a taxi in the street – known as ‘ply for hire’. Zego currently does not offer Public Hire insurance.