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Taxis
Whether you are still driving a TX4 or Mercedes Vito or have purchased a new LEVC or Dynamo, we will work closely with you to develop comprehensive cover at a competitive price.
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Taxi Fleets
If you own three or more vehicles, insuring them under one taxi fleet insurance policy ensures all your cabs are covered, with a single renewal date and premium.
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Your taxi is your livelihood and therefore it is vital that you have the appropriate protection in place to protect your business. Typical covers we consider when arranging Taxi insurance include:
Taxi Public Liability Insurance
Taxi Liability insurance safeguards you and your business against any unforeseen circumstances involving your passengers.
Breakdown Assistance
Taxi Breakdown Assistance provides peace of mind that help is on hand 24/7 if your taxi breaks down.
Key Care
Key Care insurance covers the cost of a replacement key in the event that yours are lost or stolen.
Private Medical Insurance
Private Medical Insurance (PMI) provides you with access to private healthcare, bypassing NHS waiting lists and enabling faster diagnosis and treatment.
Excess Protection
Excess Protection allows you to claim back your full policy excess on one insurance claim during the year-long life of the policy.
Legal Expenses
Motor Legal Expenses provides legal assistance in the event of a motor prosecution, or a court case resulting from an incident or claim. It allows you to recover out-of-pocket expenses, such as loss of earnings and policy excess.
Taxi Vehicle Hire
Taxi Vehicle Hire provides you with a replacement vehicle if your cab is rendered unroadworthy following an accident, fault or non-fault.
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- 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.