Leeds taxi insurance is important for all taxi drivers operating within the city to ensure they are legally protected while carrying passengers for hire and reward. Whether you are a private hire driver or operate a public hire vehicle, having taxi insurance cover is mandatory to comply with local regulations and safeguard your livelihood.
In Leeds, taxi insurance policies are designed to cater specifically to the unique needs of taxi drivers. This includes coverage not only for the vehicle itself but also for passengers, third-party property, and potential legal expenses.
We much prefer to speak to our customers so call us for a quote on 01926 454929, our phone lines are open Monday to Friday 9AM to 5:30PM. Alternatively you can request a callback on our form.
After obtaining a taxi insurance quote, you can discuss your cover needs and the different ways to pay—such as monthly or annual payments—with a member of our team to find the best option for you.
Leeds taxi insurance is important for all taxi drivers operating within the city to ensure they are legally protected while carrying passengers for hire and reward. Whether you are a private hire driver or operate a public hire vehicle, having the appropriate insurance cover is mandatory to comply with local regulations and safeguard your livelihood.
There are several types of taxi insurance available in Leeds, each designed to meet the specific requirements of different taxi operations. The main types include:
Public Hire Insurance: This type of insurance is for taxis that can be hailed directly from the street or from designated taxi ranks. Vehicles covered under public hire insurance are typically the traditional black cabs or other taxis licensed for public hire. This insurance ensures coverage for carrying passengers who are picked up without prior booking.
Private Hire Taxi Insurance: Private hire taxi insurance is tailored for vehicles that must be pre-booked before carrying passengers. These private hire vehicles (PHVs) cannot legally pick up passengers from the street or taxi ranks without a prior booking. This insurance covers drivers working for private hire companies or ride-hailing apps, protecting both the driver and passengers during pre-arranged journeys.
Taxi fleet insurance: For businesses operating multiple taxis, fleet insurance offers a convenient and cost-effective way to cover all vehicles under a single policy. This type of insurance simplifies management and may provide savings compared to insuring each vehicle separately.
Taxi insurance in Leeds offers various levels of cover to suit the diverse needs of taxi drivers and operators. The main levels of cover include:
Third Party Only (TPO): This is the minimum legal requirement for taxi insurance. It covers injury to other people and damage to their property caused by your taxi, but it does not cover any damage to your own vehicle. While this option may be cheaper, it can leave you financially vulnerable in case of an accident affecting your taxi.
Third Party, Fire and Theft (TPFT): This level of cover includes everything in Third Party Only insurance, plus protection against fire damage to your taxi and theft of your vehicle. It provides additional security for your investment without the higher cost of comprehensive cover.
Comprehensive Cover: This is the most extensive level of insurance available. It covers third party injury and property damage, fire, theft, and also damage to your own vehicle regardless of who is at fault.