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Why QuoteSearcher for Taxi Insurance?

Because taxis operate under local authority licensing and spend far more time on the road than private vehicles, insurance often takes into account factors such as urban congestion, passenger liability, and higher annual mileage.

QuoteSearcher works with a wide panel of specialist taxi insurance brokers experienced in arranging insurance for licensed taxi and private hire vehicles. By completing a short form on our site, you’re put directly in touch with brokers who can outline insurance options available, taking into account your location, licence type and driving history.

Whether you’re arranging a new policy or renewing an existing one, brokers may take into account factors such as your no-claims history, vehicle type and working pattern. Cover can be explored for private hire, public hire, black cabs, Uber drivers and taxi fleets, depending on how you operate.

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Taxi Insurance Policy Features

While cover will always depend on the provider and insurer terms, taxi insurance may include options such as:

Loss of Earnings

Cover that would potentially apply if your taxi is off the road following an insured incident.

Vehicle or Cover Replacement

Options for vehicle hire or replacement vehicle following an accident, theft, or total loss, subject to policy terms. Learn more about Hire Car Cover.

Legal Expenses

Cover towards legal costs if a claim is made against you. Find out more about Taxi Legal Protection.

Public Liability Insurance

Cover for claims arising from injury or damage to passengers or third parties. Find out more here.

Glass and Windscreen Cover

Cover for damaged windscreens and windows, which are frequently affected in urban driving. Find out more about Glass and Windscreen Cover.

Protected No Claims Bonus

May allow protection of your no-claims discount, subject to insurer terms.

Breakdown Assistance

Roadside assistance for taxi vehicles to potentially help you get back on the road quickly, subject to provider terms. Learn more about Taxi Breakdown Cover.

Flexible Payments and Documentation

Options such as monthly or quarterly payments, with digital policy documents available.

Taxi Insurance in the UK

Taxis operate very differently from standard private vehicles, which is why specialist insurance is commonly required. Higher annual mileage, frequent stop-start driving, congested urban routes and the responsibility of carrying passengers can all contribute to increased risk.

In the UK, taxi insurance is generally arranged around the following categories:

Types of Taxi Insurance

Private Hire Insurance
Private hire vehicles must be pre-booked and cannot pick up passengers from the street. They are not permitted to display a taxi sign. App-based services such as Uber and Bolt fall under this category.

Public Hire Insurance (Including Black Cabs)
Public hire taxis (including Black Cabs) can be hailed from the street and must display an official taxi sign. These vehicles often operate late at night and in busy areas, which is why public hire insurance could be priced higher by some insurers.

Minicab and Minibus Taxi Insurance
Cover for vehicles with more than five passenger seats used for taxi or hire purposes. Find out more here.

Taxi Fleet Insurance
Designed for businesses or individuals operating multiple taxis under one policy. Find out more about it here.

Private Hire Taxis – Key Characteristics

Must be pre-booked
Cannot display a ‘Taxi’ sign
Often operate during more predictable hours
Typically spend less time cruising for passengers

Public Hire Taxis – Key Considerations

Public hire insurance is usually priced higher due to increased exposure to risk, including:

Being hailed directly from public streets
Late-night and high-traffic operation
Higher exposure to late night operation and varied passenger behaviour

Frequently Asked Questions About Taxi Insurance

- Will I be able to get immediate taxi insurance cover?
  Once you have submitted your details we will then pass this on to our expert panel of insurers. They will then offer the best quote they possibly can once they have evaluated all your information. They will get in touch with you and you will be able to pay for your insurance via direct debit, or credit or debit card, in order to get immediate taxi insurance cover.
- Is it possible to purchase breakdown cover?
  Yes, most taxi insurers will provide breakdown cover for you. It will be a good idea to check your policy documents however.
- If I have an accident, will I be offered a courtesy car?
  This largely depends on the particular taxi insurance policy you have purchased. Normally, courtesy cars are provided by comprehensive insurance whether the accident you were involved in was your fault or not. However, all motor insurance policies have exclusions and conditions and it will be a good idea to check your policy documents for full details of the cover provided.
- If I take out comprehensive cover, am I okay to drive other vehicles under this policy?
  The ‘driving other cars extension’ that is available on many motor insurance policies is, unfortunately, not available for taxi insurance policies due to the circumstances under which taxis are used and the significant difference in vehicle types.
- What different types of taxi insurance are available?
  There are several different types of taxi insurance. These can include minicab insurance, private hire insurance, public hire insurance, black cab insurance, minibus insurance, and taxi fleet insurance.
- How many drivers am I allowed to have on one taxi insurance policy?
  Similarly to motor insurance, you will be able to insure the policy holder, named drivers, or any other driver on your taxi. However, by restricting the amount of drivers you have on your taxi insurance policy, you will save money on a quote.
- Will I be able to use my taxi for social purposes as well as public or private hire?
  Most taxi insurance policies will allow you to use your taxi for social and domestic use. If you are in doubt however, check with your insurance provider.
- Will it be possible for my partner to drive my taxi for domestic use?
  Most taxi insurance brokers will allow for this if a taxi has a private hire or public hire insurance policy. It may be worth contacting local authorities however in order to check that this will be okay, and try to get written confirmation in order to present it to your insurer in the event of them enquiring.
- If I need to make a claim on my taxi insurance, what do I need to do?
  If you need to make a claim, you could contact us here at QuoteSearcher, or alternatively, you could call the company that your particular taxi insurance policy is with. Make sure you have your policy details to hand.
- Which insurance is best for taxis?
  The best insurance for taxis typically includes comprehensive coverage that protects against a wide range of risks. Look for policies offering coverage for:
  - Vehicle damage, whether you're at fault or not.
  - Liability for passenger injuries and third party property damage.
  - Protection against theft and fire.
  - Legal costs if you're involved in litigation.
  - Breakdown cover specifically for taxi vehicles.
  It's essential to compare policies from different insurers to find the one that fits your specific needs and offers the best value.
- How to get cheaper taxi insurance?
  To secure the cheapest taxi insurance, you should:
  1. Shop around and compare quotes from various providers.
  2. Opt for a higher voluntary excess if you can afford to pay more in the event of a claim.
  3. Improve vehicle security with devices approved by your insurer.
  4. Build a no-claims discount over time by avoiding small claims.
  5. Consider the level of cover you really need and don't pay for unnecessary extras.
  6. Keep your driving record clean to avoid higher premiums.
  By taking these steps, you can reduce your insurance costs without sacrificing essential coverage.
- Do taxi drivers pay more for insurance?
  Yes, taxi drivers generally pay more for insurance than private vehicle drivers due to:
  - Greater time spent on the road, increasing accident risk.
  - Carrying passengers, which brings liability in case of injuries.
  - The need for higher limits on liability coverage.
  - Operating in congested areas prone to accidents and thefts.
  - Using specialised vehicles that may cost more to repair.
  These factors mean that taxi insurance premiums are typically higher to cover the increased risk.
- Can you insure a London taxi for private use?
  Yes, a London taxi can be insured for private use provided it is registered as a private vehicle and not being used for hire. The insurance coverage typically mirrors that of a personal car, taking into account the unique characteristics of the vehicle.
- What is decommissioned taxi insurance?
  Decommissioned taxi insurance is a type of policy designed for taxis that are no longer in service for public hire. This insurance is generally less expensive and adjusts coverage since the vehicle is being used for private purposes, without the risks associated with carrying passengers for hire.
- What insurance do I need for a private hire taxi?
  For a private hire taxi, you need a specialised insurance policy that covers not just the vehicle but also the driver, passengers, and third parties. This should include hire and reward insurance as part of the policy, along with public liability insurance and potential legal protection.
- Can you get GAP insurance on a taxi?
  Yes, you can obtain Guaranteed Asset Protection (GAP) insurance for a taxi to cover the difference between the actual cash value of the vehicle and the balance still owed on its financing in the event of a total loss.
- What is taxi fleet insurance?
  Taxi fleet insurance is a policy for businesses that manage multiple taxis, offering coverage for all vehicles under a single policy. This can simplify administration and often provide cost savings compared to insuring vehicles individually.
- How much does Uber taxi insurance cost?
  The cost of Uber taxi insurance varies depending on several factors, including the location, type of car, driver's experience, and the extent of coverage needed. It typically costs more than personal car insurance due to the increased risks involved with ride-sharing.
- What car insurance does a taxi driver need?
  A taxi driver needs a commercial car insurance policy that covers liability for passenger injuries, third-party property damage, and vehicle damages. It should also include hire and reward insurance specific to taxi services.
- Can you drive any car with taxi insurance?
  Not necessarily; taxi insurance is usually vehicle-specific and drivers must be insured for each vehicle they intend to drive for commercial hire. However, some policies may allow multiple vehicles to be insured under one policy.

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