Limousine Insurance Comparison
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Limo Insurance
Compare Limo Insurance
Are you a limo driver looking for cheap limo insurance? With this free, no-fuss comparison service you can compare limo insurance quotes in minutes and choose a great deal.
What is limo insurance?
Limos aren’t standard cars and are often used as private hire vehicles to transport people to and from special occasions. Limo insurance is specially designed to protect you against the particular risks that come with driving a limo.
How much is limo insurance?
Limo insurance can vary between policies just like any other vehicle you may choose to insure. Factors that influence the price include the age of the Limo, who will be driving it, and other common risk factors.
What does limo insurance cover?
When choosing a limo insurance policy it’s important to make sure you have the right insurance for the type of vehicle you drive and what you use it for.
You’ll be able to choose different types of limo insurance cover depending on what you need, including third-party only, third-party fire and theft, or fully comprehensive.
If you use your limo for work purposes, make sure you have the right cover.
- Business use hire and reward: If you’re using your limo to transport paying customers whether as a high-end taxi or wedding coach.
- Carriage of passengers cover: If you’re transporting non-paying passengers.
Have a fleet of limos? Then you might need some additional cover that protects your drivers and your business premises too.
Will my car insurance policy cover me to drive a limo?
A standard car insurance policy is unlikely to cover you for driving a limo. A limo is a much larger vehicle, often used for business and carrying more passengers, so the different risks involved require special limo insurance.
How much is limo insurance in the UK?
As limos are generally more expensive to repair or replace, it will typically cost you more to insure your limo compared to a car. If you’re driving a limo you’re also likely to be carrying more passengers, which means a bigger potential payout if there’s an accident and several passengers make a claim.
How much your limo insurance costs will largely depend on your individual circumstances. Factors like your age, driving history, occupation, postcode and the value of the limo will affect the cost of your premium.
How do I find cheap limo insurance?
If you’re looking for cheap limo insurance deals it’s a good idea to compare limo insurance quotes using a comparison site.
Beyond shopping around you can also:
- Improve the security of your limo by fitting alarms or immobilisers
- Increase your voluntary excess
- If possible, choose a cheaper limo model
- Avoid modifications that might make your limo more valuable or vulnerable to theft.
Compare limo insurance and find great deals
Find great deals on your limo insurance when you collect limo insurance quotes from trusted UK providers. Get quotes in an easy-to-understand format making it simpler for you to compare offers and decide on the right policy for you.
Which limousine cover fits the way you use it?
Limousine insurance starts with what the car does day to day. The use you declare decides which policies you can buy, so match yourself to the closest row below.
| Your situation | Cover to ask insurers for | Licence to check | Where to go next |
|---|---|---|---|
| Wedding, prom or party hire with a stretch limo | Hire and reward for fewer than 9 passenger seats | Private hire licence, unless an exemption applies | See the licensing section below |
| Corporate and airport runs in an executive saloon | Chauffeur cover for an executive car | Private hire licence for driver, car and operator | Chauffeur insurance |
| A limo you keep for your own trips | Social, domestic and pleasure use | Category B covers up to 8 passenger seats | See personal use below |
| A limo bus or party bus with 9 or more passenger seats | Bus, coach or minibus cover | PSV operator’s licence for paid work | Coach insurance |
| Two or more hire cars on the road | A multi-vehicle or fleet policy | A licence for every car and driver | Taxi fleet cover |
Whichever row fits, Tiger.co.uk compares limo quotes from a panel of 120+ providers, so you can see several options side by side for the work you actually do.
Licensing a stretch limousine for hire
Most stretch limos hired out with a driver count as private hire vehicles. The Department for Transport’s private hire guidance note says most stretch limo work with fewer than 9 passenger seats falls under that regime.
That means three licences. GOV.UK explains that the driver, the vehicle and the operator must all be licensed by the same authority. Outside London that is your local council. In London it is Transport for London.
Insurers will ask for those licence details before they quote hire and reward cover. Have your plate number and operator licence number ready.
Wedding and funeral work
Outside London, councils in England and Wales license private hire under the Local Government (Miscellaneous Provisions) Act 1976. Section 75 of that Act says its private hire licensing part does not apply to a vehicle while it is used in connection with a wedding, or to funeral vehicles.
London private hire comes under separate law, so London operators should check wedding work with Transport for London. Elsewhere, your council can confirm how it applies the rule locally.
That rule is about licensing, not insurance. Paying customers still need to be covered, so tell the insurer you do wedding hire.
Limo buses and party buses
Bigger vehicles move into bus rules. GOV.UK says you need a PSV operator’s licence to run a vehicle that can carry 9 or more passengers for hire or reward. So limo bus insurance usually means comparing coach cover or minibus insurance instead.
Owning a limo for personal use
Some owners keep a limo purely for family trips or as a weekend car. In that case ask for social, domestic and pleasure use. MIB explains that this class covers personal journeys only, so add business use if you ever drive it for work.
Check your licence too. GOV.UK says a category B licence passed on or after 1 January 1997 covers vehicles with up to 8 passenger seats, weighing up to 3,500kg for petrol and diesel. Look for the weight on your logbook, as long conversions can be heavy.
Imported and converted limousines
Many stretch limos started life abroad or were lengthened after leaving the factory. Insurers usually ask about both, so have the history to hand.
- Imports: the individual vehicle approval scheme covers single or very small numbers of imported passenger cars. It cannot be used once a vehicle has been registered in the UK.
- MOT: GOV.UK’s MOT fees table lists private hire vehicles with up to 8 seats in class 4, with a maximum fee of £54.85. Your council may set extra vehicle checks on top.
- Conversion details: keep the converter’s paperwork and any approval certificate. The DfT guidance note points councils to further guidance on approval certificates, vehicle testing and seat counts for stretch limos.
What you need before you get a limo quote
A few minutes of preparation makes the quote form quicker. It also means the prices you see fit the car you actually run.
- Registration, make, model and value, plus whether the car is imported or converted
- The passenger seat count and weight shown on the logbook
- Your private hire vehicle, driver and operator licence numbers, if you hire it out
- Names, dates of birth and licence details for every driver
- Recent claims and motoring convictions for each driver
- The work you do: weddings, proms, corporate, airport or personal trips
- Where the limo is kept overnight and your rough yearly mileage
One limousine or several: pros and cons
| Option | Pros | Cons |
|---|---|---|
| A separate policy for each limo | Simple to set up, and each car is priced on its own record | More renewal dates and paperwork as you grow |
| A fleet policy for two or more cars | One renewal date and one set of documents for the business | A claim on one car can affect the price for the whole fleet |
Policies vary on drivers, excess and extras such as breakdown or windscreen cover. Read the details of each quote before you choose.
Ian Wilson, Managing Director at Tiger.co.uk, says: “Tell the insurer exactly what the limo does, from weddings to airport runs. Leaving one type of work off the form can cause trouble when you claim.”
Compare limousine quotes with Tiger.co.uk
Tiger.co.uk is a trading style of Big Cat Ventures Ltd, an Introducer Appointed Representative of Seopa Ltd. Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FRN 313860), and you can check any firm on the FCA Financial Services Register. Third party cover is the legal minimum on UK roads, GOV.UK confirms. That minimum does not pay to repair your own limo, so many owners compare wider cover too.
Start your limo quote on Tiger.co.uk. Running wedding cars? Public liability insurance covers claims from the public at events, and breakdown cover can stop a flat battery from spoiling the big day. Driving executive saloons instead? See chauffeur insurance.
Does a stretch limo need a private hire licence?
Usually, if you hire it out. Department for Transport guidance says most stretch limousine work with fewer than 9 passenger seats falls under private hire licensing. The driver, the vehicle and the operator then need licences from the same council, or from Transport for London in London.
Can I drive a limo for personal use in the UK?
Yes, as long as the policy covers that use and your licence covers the vehicle. Ask for social, domestic and pleasure cover. A category B licence passed on or after 1 January 1997 covers up to 8 passenger seats, at up to 3,500kg for petrol and diesel.
Is a limo bus insured like a stretch limo?
Not usually. A limo bus or party bus often has 9 or more passenger seats. GOV.UK says carrying 9 or more passengers for payment needs a PSV operator’s licence, so insurers will treat it as a bus or coach.
Do wedding limos need a private hire licence?
Often not outside London. Councils in England and Wales outside London license private hire under the Local Government (Miscellaneous Provisions) Act 1976. Section 75 says that part of the Act does not apply to a vehicle while it is used in connection with a wedding. London has its own private hire law, so check with Transport for London. Either way, you still need insurance that covers paid passenger work.
Can I drive a limo home on the day I buy it?
Only once it is insured. MIB says there is no grace period after you buy a vehicle: you need valid insurance the moment you drive it on a public road. Some dealers offer short drive away cover, but MIB warns never to assume it is in place, so set your limo policy to start on collection day.
How long does a new limo policy take to show as insured?
It can take a few days. MIB says a new or renewed policy may show as uninsured on its free Check Your Vehicle tool for up to seven days. Carry your policy details until it appears.
Does limo insurance cover drivers I employ?
Only drivers the policy names or allows. Check the driver section of each quote. If you employ staff, GOV.UK says you must get employers’ liability insurance as soon as you become an employer, with some exceptions. It must cover at least £5 million.
Fact-checked by Ian Wilson, Managing Director at Tiger.co.uk. 20+ years in price comparison; MEng, Queen’s University Belfast.
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*51% of consumers could save £535.17 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from May 2026 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.