WHAT WE DO

Cabsurance is a traditional, family-run insurance broker, with over 60 years of experience in dealing with the licensed taxi trade. As market-leaders, we provide a professional, reliable, and relatable service for taxi drivers.


The team have outstanding relationships in the insurance market, which gives us greater leverage when negotiating competitive Taxi insurance quotes for our clients. Due to the service we provide, we have an incredibly high renewal rate, something we are very proud of.

What We Do

TRUSTED INSURANCE PARTNER OF CAB DIRECT


We are proud to be a trusted insurance partner of Cab Direct, the UK’s leading taxi supplier. All
Cab Direct customers will receive free Legal cover. To find our more about Cab Direct and our
partnership, click the button below.

About Us

Senior Management Team

Lawrence Rose

Lawrence started his career as a Trainee Underwriter in 1980 working for the NIG.

In 1982, Lawrence joined his family business, Emrose Insurance Brokers, that his father started in 1963.

In 2014 Lawrence was appointed Managing Director until June 2021 when they were acquired by Specialist Risk Group.

Lawrence is married with 2 children and 2 grandchildren that keep him on his toes. He is a season ticket holder at Arsenal and enjoys attending matches with his wife and son. He follows Formula 1 Motor Racing and still plays the occasional round of golf.

Managing Director

Gary Rose

Gary started his career in insurance at age 17. He worked for the NIG for 18 months before joining the family business 40 years ago.

Gary is a Director of Cabsurance and works closely with his two brothers, Lawrence and Jonathan. He deals with the day to day running of the business and specialises in London Black Taxis, as well as general insurance business.

In his spare time, Gary enjoys keeping fit. He is an avid sportsman and has completed 3 London Marathons. He also plays football most Sundays and fits in a game of golf when he can.

Gary enjoys F1, he is a big Lewis Hamilton fan. His biggest pleasure of all is watching Arsenal. He has been a season ticket holder for over 40 years and goes to matches with his kids.

Director

Jonathan Rose

Jonathan started his career in insurance nearly 40 years ago. Jonathan left school and sought to gain as much experience as possible before he joined the family business.

After a couple of short-term jobs in insurance he went on to work for NIG in the motor underwriting department for four years.

In 1988 Jonathan joined Emrose Insurance Brokers which was started by Jonathan’s late father in 1963. Jonathan gained valuable knowledge from his father over the years especially in the London Taxi Industry.

Jonathan is married and has two sons. He is an Arsenal fan and has had a season ticket for 30 years.

Director
Specialist Risk Group

Our parent company, Specialist Risk Group, is one of the fastest-growing groups of insurance intermediaries in the UK. The Group is split into four business units, providing a bespoke service to our unique markets and clients.

Cabsurance forms part of the Specialty Clients division, Specialist Risk Insurance Solutions. The other business units are Miles Smith and TUE – UK and Ireland Speciality Broking, Specialist Risk International – International Specialty Broking and MX – Specialty Underwriting.

Being part of the Group allows us to access specialist products and the Lloyd’s of London market through the other business units. This means we can provide our clients with a truly unique service and offer a range of excusive benefits.

Visit our Group website

At Specialist Risk Group, we are governed by our mantra “Difficult. Done Well.”. We specialise in crafting solutions for specialist insurance needs that other companies actively avoid and solve problems for clients that other brokers cannot solve. We take a people first approach that empowers our staff and enables them to respond quickly to clients. Our people are offered valuable learning and development opportunities and ultimately, we aim to create an environment where we enjoy coming to work. We believe this means our people will always provide an outstanding service to our clients.

GET IN TOUCH

Speak to a
specialist

SIGN UP TO OUR MAILING LIST

FAQs

  • General FAQs
  • Taxi insurance
  • Taxi Fleet insurance
  • Private Hire insurance

What happens if my taxi is off the road after an accident?

With Taxi Vehicle Hire cover, you can receive a replacement licensed vehicle, helping you stay on the road while repairs are completed.

What if a passenger makes a complaint or allegation against a driver?

Public Liability and Legal Expenses insurance can help cover defence costs and provide support during disputes or claims.

How quickly are Taxi insurance claims handled?

Specialist taxi insurers prioritise fast claims handling, as time off the road directly impacts income.

Do councils require proof of Taxi insurance for licensing?

Yes. Most local authorities require evidence of compliant Taxi or Private Hire insurance before issuing or renewing a licence.

What happens if my taxi keys are lost or stolen?

Key Care cover can pay for replacement keys, locks, or reprogramming following loss or theft.

Can you insure my vehicles across the UK?

We can provide our expertise and business to clients based in England, Scotland and Wales. 

Does Taxi insurance cover passengers?

Yes, for road traffic accidents. However, separate Taxi Public Liability insurance is often required for non-driving incidents, such as passengers slipping while entering or exiting the vehicle.

What happens if my taxi is off the road after an accident?

With Taxi Vehicle Hire cover, you can receive a replacement licensed vehicle, helping you stay on the road while repairs are completed.

Is Taxi insurance available for electric or hybrid vehicles?

Yes. Specialist Taxi insurance can cover electric and hybrid vehicles, including higher repair costs and battery-related considerations.

Does Taxi insurance cover lost or damaged passenger property?

Yes. Taxi Public Liability insurance can respond to claims for loss or damage to customer property while in your care.

Are payment plans available for Taxi insurance?

Yes. Flexible payment options are commonly available to help taxi drivers and operators manage cash flow.

Is Breakdown cover included with Taxi insurance?

Breakdown cover is usually optional and provides 24/7 roadside assistance to minimise downtime, keeping you on the road.

What additional insurance do taxi fleet operators need?

Taxi fleet operators may also require Employer’s Liability, Public Liability, and Management Protection to address driver safety, duty of care, and operational risk.

Can Taxi Fleet insurance cover multiple vehicles under one policy?

Yes. Taxi Fleet insurance can cover three or more vehicles under a single policy with one renewal date and centralised administration.

Do I need different insurance for Hackney carriage and private hire vehicles?

Yes. Hackney carriage and private hire vehicles are licensed differently, and your taxi insurance must match how the vehicle is permitted to operate under local authority rules.