Guaranteed income in the event your taxi becomes inoperable
Hire Cover and Vehicle Replacement
Hire or replacement taxi in the event of an accident, theft or total loss
Covers cost of legal fees in the event of a claim against you
Public liability insurance
Covers cost of legal fees and compensation claims against you
Windscreen and Glass
Covers both as they are frequently damaged and expensive to replace
Protected No Claims bonus
If an accident is not your fault, your no claims bonus will not be affected
Roadside help to get your taxi back on the road as fast as possible
Flexible Payments and Instant Documentation
Monthly or Quarterly payments and electronic certificates
Taxi Insurance in the UK
Considering the amount of time spent on the road, taxis require their own type of insurance policy as they are operated differently from a standard motor vehicle. Taxis generally do higher mileage, with the majority of time spent in congested urban areas. This increases the wear and tear on the vehicle and the risk of being involved in a vehicle accident. Not to mention the liability risks associated with transporting members of the public.
In the UK, taxis are an established part of modern living. With regards to insurance, they are broadly defined into the following categories:
Public Hire – including Black Cab
Must display a “Taxi” sign and can be hailed in public.
No “Taxi” sign and are pre-booked beforehand.
Minicab / Minibus Taxi
Taxi with more than 5 standard seats.
If you or your business own more than one taxi.
Public Hire Taxis
Public Hire Taxi Insurance is generally more expensive than Private Hire, for the following reasons:
Can be hailed from public streets at any time
Usually operate late into the night
Often carry unruly passengers, which increases the risks involved for the driver.
Public Hire Taxi Insurance
Find out more about Private Hire Taxi Insurance here
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.
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.
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.
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.
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.
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 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.