Taxi Insurance


For taxi drivers, a taxi is much more than just a vehicle. It’s their livelihood. That’s why it deserves to be protected with specialist taxi insurance. If you’ve been looking into options for insuring your taxi, you have probably seen that taxi insurance premiums are often quite high due to the nature of a taxi driver’s work. But we can help you find a taxi policy that matches your needs and budget.


It is important to note that different types of vehicles will require different policies. We can arrange taxi insurance in many different variants. We work with a panel of insurers who can provide you with insured only policies or named driver policies. You’ll have a broad array of choices in front of you depending on whether you are looking to buy an individual cover or insurance for your entire taxi fleet.


For taxi insurance cover, get in touch with us and ensure you have the required documents to hand. For example, know whether you’re buying insurance individually or as a company first. We will need your basic details and contact information. To speed up the process, be sure to have your vehicle registration number and your driving licence at hand.


Getting a taxi insurance quote is simpler than you think. Get in touch with us and we’ll be happy to prepare one for you.


How to reduce your Taxi Insurance premium

There’s no denying that taxi insurance can be quite costly. Is there any way to find cheaper premiums? Sure! Here are some steps you need to take to benefit from cheaper premiums on taxi insurance.


Pick a vehicle from a lower car insurance group.

When choosing your vehicle, it’s smart to pay attention to which insurance group it falls in. If your vehicle falls into a low insurance group, you may get to take advantage of lower premiums when purchasing insurance.

There are many different groups, with vehicles in the highest group generally associated with the most expensive insurance premiums. The Group Rating Panel places vehicles in groups, according to factors such as repairs, safety features, cost of spare parts, and the value of the vehicle. Check to see which group your car belongs to.


Drive safely.

Avoid getting a conviction by following the rules of the road - and beyond. Convictions can have a huge impact on your insurance rate. Even if you have committed a minor offence that was not related to driving, some insurers may refuse to offer cover.

Also, if you drive safely, you can create a clean record for yourself and build up a no-claims discount over several years. Many insurers will offer considerable discounts to drivers who have never made a claim. Those who stay claim-free for an entire year could get a reduction on their insurance premium. If you don’t make a claim for a period of five consecutive years, you could receive a larger discount.

Some insurers may allow you to pay a little extra to ‘protect’ the no-claims bonus you have built up. That means you won’t lose your discount after making a single claim (or more) within a 12-month period.

Finally, insurers may offer cheaper premiums to those who have had their taxi badge for a significant period of time. It’s essential to build up years of safe driving to get these rewards.


Types of Taxi Insurance

Taxi insurance comes in many different shapes and sizes. There are two types of insurance policies: policy holder only or named driver.. The policy holder only is the cheapest form of cover - but the more names you add to it, the more costly it becomes. If you have a fleet of taxi cars, consider a Taxi Fleet Insurance.


Why is Taxi Insurance so costly?

Taxi drivers complete many more miles than regular drivers, often in congested conditions. Since taxi drivers present more risks, their insurance is usually more expensive than conventional cover. Moreover, taxis are generally larger than regular cars - and often fall into higher insurance groups. The insurance category a vehicle falls into has a decisive impact on the cost of taxi insurance. The higher the insurance category, the more expensive the premium will be. That’s why taxi drivers’ premiums are usually more expensive than other drivers.


What's the difference between Private Hire and Public Hire Insurance?

Private hire vehicles are usually minicab-type vehicles that can't be hailed at a taxi rank or on the street. They can only be booked in advance. Public hire vehicles, on the other hand, are black cabs and other types of vehicles that are licensed by the council to pick up fares on the street and at taxi ranks. These two categories carry different levels of risk. Still, your insurance premium will depend more on your age, location and annual mileage.


Could my spouse drive the Taxi for non-work related purposes?

Yes, it is possible for your spouse to drive your taxi for non-work related purposes and still be insured. However, to be sure you will need to check that your licensing authority allows that or that your partner is a licensed private or public hire driver. If they aren’t, it might not be possible for them to drive your taxi.


Request a Taxi Insurance Quote

Our team at Taxi Insurer can arrange cover for a range of taxis and vehicles including black cabs, saloons and MPVs, for both private and public hire.

To arrange a no obligation taxi insurance quote please call our team on 0121 506 2391 today, or complete the request a call back form and we'll call you at a time that's convenient for you.

Modifications are generally unacceptable. For convictions we can offer insured only, named driver policies, for individual cover or for a fleet of taxis, as well as high-value vehicles.

Doing our best to you get a fair deal, we will search our panel of insurers to get you our best price for your taxi requirements.


taxi driver driving taxi

Taxi Insurer Insurance

With Taxi Insurer we do our best to you get a fair deal, we will search our panel of insurers to get you our best price for your taxi requirements.

Alongside taxi insurance we offer interest free payment plans to make your taxi insurance manageable.

With protected No Claims Bonus available, why not see if we can save you money today.



Benefits of taxi insurance can include:

  • Unique rates for public and private hire
  • Low deposits and monthly payments available
  • Discounts for DSA taxi test (with some insurers)
  • Comprehensive cover
  • Third Party Fire & Theft cover
  • Third Party only cover available
  • Public Liability
  • Employers’ liability

Your Taxi cover may include:

  • Protected No Claims Bonus available (subject to acceptable criteria)
  • Cover for Minibus, MPVs and Car
  • Cover for private and public hire
  • 24hr claims management service
  • Pay in instalments
  • Mirror NCB from other insurance policies (terms and conditions apply, subject to meeting full acceptance criteria)
  • UK Based call centre


Arranging cover with Taxi Insurer couldn’t be easier. With access to an industry panel of leading UK insurers, we search the market for you, finding the policy suited for you and your cab.

From single vehicles to fleets, we do the leg work so you don’t have to.

Call our specialist team today and let us help find the cover to suit your individual taxi needs.