Taxi Fleet Insurance
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What is fleet taxi insurance?
Taxi or minicab fleet insurance is a specialist insurance designed for taxi business owners. It covers multiple taxis under one single policy. This simplifies the process of insuring all vehicles in a taxi fleet and streamlines business management.
Benefits of taxi fleet insurance
Cost saving
If you operate two or more vehicles in your fleet, you could lower costs. Insurers often give discounts for insuring multiple vehicles at once.
Flexibility
These policies typically offer flexibility in terms of vehicles and drivers that are covered. For example, a fleet can consist of cars only, a mix of cars and vans, or other vehicle types. You could take out an “any driver” or “named drivers” policy, regardless of driver age or driving experience. It’s also possible to adjust your cover as your needs change.
Simplified administration
You won’t need to take out individual policies for each vehicle. Your business management is made much simpler with one policy and one renewal date.
Choice of coverage
You can choose the level of cover you want for your fleet. This can range from third party only to comprehensive cover. You’ll also have the option to add additional protection for your fleet, like breakdown cover or windscreen repair.
Who needs minicab fleet insurance?
This cover is suitable for most taxi or cab fleet owners or operators.
- Taxi operators with two or more vehicles in their fleet.
- Businesses running public hire or private hire taxis.
- Taxi firms employing multiple drivers.
- Chauffeur services.
- Taxi fleet operators wanting to simplify business operations and reduce costs.
What does fleet taxi insurance cover?
That depends on the level of cover you’ve chosen. Fleet insurance comes in three core levels with add-ons as an option.
Core cover options
- Third party only. This covers injury or property damage to others, but not your fleet or your drivers.
- Third party, fire, and theft. Offers third party cover, as well as loss or damage to your vehicles due to fire or theft.
- Comprehensive cover. This is the highest level of coverage and typically covers third party liabilities and damage to your vehicles. Specific features and limitations can vary between policies.
Additional coverage
Comprehensive insurance usually offers broad protection against most major risks facing your fleet. If you’ve opted for third party only, you may want to enhance your coverage with additional add-ons like:
- Public liability insurance
- Employers’ liability insurance
- Legal expenses
- Breakdown cover
- Windscreen cover
- No claims discount protection
- Courtesy vehicles
How much does taxi fleet insurance cost?
Taxi fleet insurance’s average cost depends on many factors. These are unique to your business, which is why costs vary. If you want to know how much this insurance will cost you, we recommend getting quotes from multiple insurance providers. They’ll use the information you provide and offer quotes relevant to your needs.
What impacts the cost of taxi fleet insurance?
Number of taxis
The more vehicles you add to your policy, the more you’ll pay for coverage. However, bulk discounts may apply for large fleets.
Vehicle types and their values
High-value vehicles will cost more to insure. Insurers use standardised insurance groups to determine fair premiums.
Driver profiles
The age, experience, and driving history of your drivers can influence insurance costs. Younger drivers under the age of 25 tend to pay more. This is due to their perceived higher risk.
Level of cover and optional extras
Choosing comprehensive coverage or adding extras will usually increase your premiums.
Operating area
Where your business is located and the areas you operate in also impact insurance costs. That’s because some areas are riskier than others. Things like crime and road accident rates matter.
Claims history
Maintaining a claims-free history can lead to discounted premiums. Every time you claim, you’ll typically be charged more because your risk profile increases.
Business use
The type of work your taxis do can affect insurance costs. For instance, late-night services or school contracts may be considered higher-risk jobs, and you might be charged more.
Annual mileage
The more time your taxis spend on the road, the more they’re exposed to risks. So the higher your annual mileage is, the more expensive your insurance will likely be.
Vehicle security features
Increasing your vehicles’ security can lead to discounts. This could involve parking them in a safer location overnight.
Excess amount
Increasing the amount you pay towards a claim can reduce premiums. However, it means you’ll pay more when you make a claim.
How can I get a taxi fleet insurance quote?
You can easily get a quote online by filling in the form on our website. We’ll share your needs with a wide range of reputable insurers who will contact you with tailored quotes. Let us do the hard work for you and help you source multiple quotes to compare.
Fleet Taxi Insurance FAQs
How can I find the cheapest taxi fleet insurance deal?
Can I insure a fleet with just 2 cars?
What types of taxis can be covered?
Can I insure the vehicles I own and those owned by drivers?
What’s the difference between public hire and private hire insurance?
Page last reviewed on 16th July 2025
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