I am also a taxi driver, who runs 4 '8's for weddings / VIP travel to a fair few celebs and use 1 of them as a daily. The cars are all fully plated as hackney carriage. Regardless of how you do it you MUST have public liability insurance, I have 20 mil per vehicle...
Downsides to having a plated vehicle as private use (or a plus side-whichever way you want to take it lol) is that only licence holders can drive your car, so my partner can't drive mine because he hasn't got a hackney carriage badge...
Alot of licencing authorities will not allow you to drive public hire AND private hire, you must have 1 or the other (or do 2 separate tests-which nowadays means taking your actual driving test again to obtain 1 or the other....)
Might be worth looking into chauffeur insurance, but I think you may have to be private hire badged/plated to get chauffeur insurance.
Being that mine are all insured as hackney carriage I am covered for anything, being a prestige car means I get privileges that "normal" cabs in my authority don't get-like being able to work private hire (because I hold both licences) with no rear plate showing AS LONG as it's in the boot.
You'll have to speak to your licencing authority first, then liaise with an insurance broker
HTH Bex
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07 Silver D3 A/S8L Quattro
S8 front end, Xenons, Bose, Bluetooth, Voice Control, Autodim mirrors, Heated folding mirrors, Double Glazed Windows, Electric Rear & Side Blinds, Black leather Comfort Seats with front memory seats & mirrors, Front & rear heated seats, Interior/Exterior light pack, TV.I.M, AMI, Parking sensors Front & Rear, Air suspension (soon to be lowered), Keyless entry & Start/Stop, 4 zone climate control, Power Boot Open/Close.
