PCO and Taxi Driver Accident Rights UK: What You're Entitled To

Your rights as a licensed driver after a non-fault accident

PCO drivers, Hackney carriage drivers and private hire minicab drivers have exactly the same rights as any other road user after a non-fault accident, but with one crucial additional entitlement: a like-for-like licensed replacement vehicle.

This means if you drive a licensed taxi or PCO vehicle, you are entitled to a replacement vehicle that is also licensed, not just any car. This is essential because you cannot earn money in an unlicensed vehicle.

What PCO and taxi drivers are entitled to after a non-fault accident

• Licensed replacement vehicle: a like-for-like PCO or licensed vehicle delivered to your door
• Free vehicle repairs: your vehicle repaired at no cost to you
• No excess to pay: all costs recovered from the at-fault insurer
• No claims bonus protected: your record stays clean
• Loss of earnings: compensation for any earnings lost due to the accident
• Personal injury compensation: no win no fee through specialist solicitors

The importance of a licensed replacement vehicle

Standard insurance companies often provide a basic hire car after an accident, but for a PCO or taxi driver, a regular car is useless for work. You cannot legally carry paying passengers in an unlicensed vehicle.

Road Claim specialises in providing licensed replacement vehicles for PCO and taxi drivers. We understand that for you, every day off the road means lost income, and we act accordingly.

How to claim if you are a PCO or taxi driver

When submitting your claim through Road Claim, you'll need:

• Your vehicle registration number
• Your licensing authority (e.g., Transport for London, Birmingham City Council)
• Whether you are Private Hire or Public Hire (Hackney)
• Details of the accident - date, time, location and what happened
• The other driver's details if available

Claiming loss of earnings as a PCO driver

If the accident caused you to lose earnings - whether because your vehicle was off the road or because you were injured - you are entitled to claim this back. Our specialist solicitors handle loss of earnings claims for self-employed and employed drivers alike. Keep records of:

• Your average weekly earnings before the accident
• Any days or shifts you missed due to the accident
• Any medical appointments you attended

Which licensing authorities do Road Claim cover?

Road Claim works with drivers licensed by all major licensing authorities across England and Wales, including Transport for London (TfL), Birmingham, Manchester, Leeds, Sheffield, Bristol and hundreds of district councils. When you submit your claim, simply select your licensing authority from our comprehensive list.

Frequently Asked Questions