Minibus taxis require specialist commercial vehicle insurance that covers: the vehicle for comprehensive or TPFT cover, passenger liability (injury to fare-paying passengers), and driver personal accident cover. Standard personal or commercial vehicle insurance excludes fare-paying passenger transport. Taxis must also operate under a valid operating licence from the relevant transport authority.

The Road Accident Fund (RAF) covers third-party bodily injury (including passengers) through the fuel levy, but only for road accident injuries. Passenger liability insurance provides additional cover for incidents not covered by the RAF, such as injuries during loading and offloading, or where RAF limits are insufficient.

E-hailing vehicles require specific cover that recognises fare-paying passenger use and commercial operation. Standard personal insurance is void during active commercial trips. Some insurers offer hybrid personal/e-hailing policies, while others require a dedicated commercial vehicle policy for e-hailing operators.

Minibus taxis require an Operating Licence issued by the Provincial Regulatory Entity (PRE) under the National Land Transport Act. Metered taxis require a taxi operating licence from the relevant municipal authority. E-hailing operators must be registered with the PRE and comply with the National Land Transport Act 5 of 2009.