You must have vehicle insurance to carry passengers. If you want to carry wheelchair passengers, then you will also need public liability insurance.
We will need to see copies of the relevant insurance certificates when you make your application.
Vehicle insurance
You need to have a valid insurance certificate or cover note that tells us that you are insured to drive the vehicle. It should also state that the vehicle can be used to carry passengers for hire and reward.
Public liability insurance
To carry wheelchair passengers, you will have public liability insurance with a minimum cover of £2,000,000. As a minimum, this should cover personal injury claims and any damage to property.