Can I use my No Claims Bonus (NCB) on taxi insurance?

Yes, you can use your private car NCB on a taxi policy. However, because private car insurance isn’t the same as taxi insurance, the discount applied may differ and the policy terms may not mirror those of a standard policy.

Can I be covered for public and private hire?

Yes. If your policy covers you for public hire, this will automatically include cover for private hire. If your policy was taken out for private hire only, you will need to let us know if you want cover for public hire too.

Am I covered for food delivery?

Many insurers will cover food delivery as long as your primary occupation and vehicle use is as a taxi and you hold the relevant licences for this. If you only deliver food (no taxi services), then you would need a different type of insurance policy.

What is the difference between taxi insurance and fleet insurance?

Fleet insurance is appropriate if you have multiple vehicles that you wish to insure in one name, or which are connected to your company. A fleet is considered to be more than two vehicles.

Can I trade under a company name?

Yes, but this must be declared on your taxi insurance policy.

Can I cancel my taxi insurance, and will I be charged?

Yes, you can cancel any time. However, like most insurances you may be subject to a pro-rota refund (i.e. you pay for the time you have had the cover). We are also entitled to charge a cancellation fee of £30.

Can I drive my taxi for personal use under a taxi policy, or do I need another policy?

Yes, you can use your taxi vehicle for social, domestic, and pleasure use (personal use).

Will the cost of my taxi policy change depending on the type of vehicle I use?

Yes, like normal motor insurance, the cost of your insurance will be influenced by the type of vehicle you are insuring.

Am I insured to drive any taxi?

Unfortunately, no. The cover you take out will be specific to your taxi only.

Do I need to inform you if I change the taxi I drive?

Yes, if you change the taxi vehicle you use for whatever reason, you will need to tell us.

Will I get a discount if I have in-car CCTV or a dashcam?

This will depend on the insurer. CCTV and dashcam footage can also be helpful when attempting to recover the excess or other costs in the event of a claim.

Taxi Insurance | Comprehensive cover with over the phone advice

We help taxi drivers with their insurance needs; from minicabs, minibuses, and black cabs to any manner of private hire vehicles. Whether you own a taxi business with a large fleet or a single cab, we can ensure you have the protection you need for public liability, legal defence cover, damage to third-party vehicles and property up to £25m, your two-way communication radio equipment, and much more.

We can cover:

Private hire taxis

Public hire taxis (Hackney carriages)

Minibus

Taxi fleets

Uber, Bolt, and Lyft

Airport and school transfers

Chauffeurs

Hire & reward and food delivery

Taxi insurance specialists

Taxi drivers and operators face a unique set of day-to-day challenges including navigating heavy traffic during peak times, dealing with rude or intoxicated passengers, and managing long working hours, all while trying to meet complex compliance and licensing regulations. We understand these pressures and our service is designed to make arranging your insurance as stress-free as possible.

Whether you run a multi-vehicle fleet or a single cab, we take the time to understand your business and explain your cover clearly, so you know exactly what you’re purchasing.

Specialist expertise: We understand the risks and regulatory requirements that come with operating a taxi, allowing us to recommend cover that fits your needs.
Tailored policies: Whether it’s a single vehicle or an entire fleet, we source cover that’s aligned with your operation, risks, budget, and licensing obligations.
In-house claims support: Our UK-based in-house claims team are available to support you through a claim and ensure a prompt and fair resolution, minimising disruption and getting you back on the road as soon as possible.
Wide market access: As a broker, we can access policies not available to consumers, giving you more options.

How our customers rate us

Very good service, friendly professional manner.

Mr Cobb - AirportChauffeursuk.com

4.8/5 12160 reviews

Taxi insurance in detail

Comprehensive cover tailored to your unique needs as a taxi owner.

Damage to third-party vehicles and property up to £25m

Protects you up to £25 million for any third-party damage, ensuring you are safeguarded against the financial burden of costly repairs or replacements.

Cover for taxi meter and two-way communication equipment

This cover ensures that if your meter or radio equipment is damaged or stolen, the cost of repair or replacement is covered, allowing you to operate without unexpected disruptions or additional expense.

Personal accident cover

Your livelihood depends on your health and ability to work. Personal accident insurance helps protect you financially if you’re injured and unable to work. Cover can be included in your taxi policy or arranged as a standalone option, covering your medical expenses or compensation for loss of earnings during your recovery.

Cover for death or injury to other people

As you are regularly dealing with the public this protects you against claims for medical expenses or compensation in the event of an accident causing death or injury to others, ensuring your business remains financially secure.

Medical expenses cover

Helps you with the cost of medical treatment you or your passengers may need following an accident involving your vehicle, ensuring that health concerns are promptly addressed without financial strain or worry.

Windscreen cover

Cover for the repair or replacement cost of your windscreen, ensuring you can continue to operate safely with little disruption.

Social, domestic & pleasure use

Cover for driving your vehicle when not operating as a taxi.

Optional extras

Public liability cover up to £10m

Protects you against claims of injury or damage by the public caused by your taxi operations, up to £10 million.

Temporary hire vehicle

Included with the legal cover add-on, cover provides a temporary hire vehicle for up to 21 days if your vehicle cannot be driven due to an incident.

Legal defence cover

Up to £100,000 providing funds and support for legal costs arising from accidents, passenger issues, or regulatory compliance, protecting your business from expensive legal battles.

Loss of earnings cover

Included with the legal cover add-on, this add-on will payout for lost earnings if a suitable temporary replacement vehicle is unavailable.

UK breakdown cover

Including recovery of the policyholder, the vehicle, and any paying passengers at the time of the breakdown.

Excess protect

Covers the cost of the policy excess charge payable when you make a claim.

Key cover

Cover for the cost of replacing your vehicle keys if they’re stolen or lost, including reprogramming vehicle security features.

Cyber insurance

Covers financial loss resulting from a cyber attack, as well as first response support, cyber risk management, and PR support for reputational damage.

Payment methods

We offer a range of secure payment methods, including debit/credit card, direct debit, and bank transfer. You can pay in full or spread the cost through monthly instalments (via a credit agreement).

To find out more, speak to our team on 01603 301770.