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Taxi Insurance

Cheap Taxi Insurance

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Policies and deals from industry leading insurance providers, including

A-Plan
Towergate Taxi
Advance Insurance
CoverMy
Freeway Insurance
One Answer
Abbey Insurance
The Taxi Insurer
County Insurance
Riviera Insurance
Quotax Insurance
Insurance Revolution
Staveley Head
XYZ Insurance
Zego
SEP Insurance
Coversure Insurance Services
Abbey Autoline
Konsileo
Penk Insurance
Prime Cover

Compare Taxi Insurance


If you operate a taxi either for private or commercial use, your standard car insurance policy will not be enough to insure you for your work. A separate taxi insurance policy will offer you the coverage you need for both your taxi and customers. It will also cover you for third-party damages and injuries. You’ll need a full taxi licence in order to qualify for taxi insurance.

Our large panel of UK-based insurance providers can help you quickly find cheap taxi insurance without the hassle. Whether you are looking to insure an Uber, black cab, or other types of public and private hire vehicles, Quotezone.co.uk has you covered.

What are the different types of taxi insurance?

Third-Party Only

Third party only insurance (TPO) is the minimum legal requirement for driving any motor vehicle on UK roads. It will only cover you for damages caused to other drivers in an at-fault accident. Damage to your own taxi is not covered.

Third-Party, fire and theft

Third-party, fire and theft will offer you the same coverage as third-party only insurance with additional coverage against fire damage and theft. Other damage to your taxi is not covered.

Comprehensive

Comprehensive insurance offers you third-party, fire & theft coverage along with insurance against damage to your taxi, even if you are the driver at-fault.

Public hire vs private hire taxi insurance

Private Hire Taxi Insurance

Private hire taxi insurance, or PHV insurance, is designed to cover you for pre-booked fairs only. This means you cannot be insured for picking up customers hailing from the street.

Public Hire Taxi Insurance

If you pick up customers from a taxi rank or those that hail from the street, then a public hire taxi insurance policy will be the coverage you need.


How much is taxi insurance?


The cost of taxi insurance will depend on a few factors such as the make and model of your taxi, your annual mileage, your previous claims history and whether you operate as a private or public hire taxi.

The quickest and easiest way to get an accurate cost of your coverage, is to get a taxi insurance quote.

What our experts say:

“Taxi insurance premiums can be costly, as insurance providers consider cab drivers a higher risk because of the greater amount of time they spend on the roads compared to other drivers, but our site can help keep premiums competitive. It’s just one short online form then we match the details with a select few suitable providers who then phone the drivers, when it suits them, to discuss the specifics – this helps keep the policy as accurate as possible – incorrect details can void the insurance premium”

Ian Wilson – Price comparison expert at Quotezone.co.uk

How to get cheaper taxi insurance quotes

Whilst factors such as your diving history, size of cab and estimated yearly mileage will all play a large role in determining your premiums, there are a few things that can be done to get cheap taxi insurance quotes:

Increase security

Installing immobilisers, dashcams and alarms could help reduce the risk of theft and get you cheaper premiums.

Pay annually

Paying annually will mean you won’t be charged monthly interest on your cover.

Get the right cover

Be careful not to choose extra coverage options that you won’t need. Likewise, if you are insuring multiple taxis, taxi fleet insurance could be a more economic option.

No-claims discount

Build up a no claims bonus can reduce your premiums for each year you go without a claim. Some insurers may even consider transferring an existing no claims discount.

Drive safely

Drive safely to avoid convictions, penalty points and claims. These will all increase your future taxi insurance premiums.

Carefully consider where you work

If you work in highly congested areas that experience a lot of road accidents, your insurance will typically be higher.

Choose your taxi carefully

Your vehicles value, insurance group and risk profile will all affect your insurance costs.

Compare taxi insurance quotes

Shop around with our taxi insurance comparison service and increase your chances of finding the cheapest taxi insurance quotes.

What does taxi insurance cover?

Regardless of whether you operate as a private hire taxi picking up customers with pre-booked fairs or a public hire operator who accepts bookings from passengers on the street, you’ll legally need taxi insurance. Taxi insurance will cover you for the following:  

Public liablity Insurance

Public liability insurance will cover you for any injuries or property damage caused to your passengers or members of the public.

Third-Party Insurance

This will insure you for damage done to third-party vehicles in case of an at-fault accident involving your taxi.

Taxi Damage

If you opt for comprehensive cover, then you will be insured for damage against your taxi as a result of an at-fault accident.

What isn’t covered by taxi insurance?

Taxi insurance will typically not cover you for unauthorised use of your taxi. Do not allow others who are not insured to drive your taxi behind the wheel as they will not be covered. Wear and tear or age-related damages to your taxi are also a common exclusion from taxi insurance. Confirm with the insurance provider what is and isn’t covered by your policy.

How to get taxi insurance

Getting taxi insurance with Quotezone is fast and simple. Whether you are looking for third-party cover or a comprehensive policy that’s tailored to your needs, simply follow these steps.

Give the basic details on your driving history, your taxi, and the type of cover you need.

Give some specifics on your taxi badge, how you use your taxi, and who will be driving.

Simply submit this info and our panel members will contact you to offer you a personalised quote.

Taxi insurance FAQs

What insurance do taxi drivers need?

Taxi driving and other hire for reward work will not be covered by your personal car insurance. Taxi drivers will need taxi insurance to cover public liability for their customers and members of the public.

How much is private hire taxi insurance?

The exact cost of your private hire taxi insurance will vary depending your age, make and model, level of coverage and where you typically operate your taxi. This means the best way of getting an accurate cost is to use a taxi insurance cost calculator.

Typically private hire taxi insurance is cheaper than public hire taxi insurance.

Can I drive my taxi for personal use?

If your insurance policy explicitly covers you for this then you should be able to drive your taxi for personal use without issue. Some taxi insurance policies may require you to have a separate car insurance policy to cover you for driving when not working.

Why is taxi insurance expensive?

Taxi driving comes with additional risks to driving a personal car. Working unsociable hours, intoxicated passengers and driving in congested areas more often are all some of the risks that increase the cost of taxi insurance.

Do I need a taxi badge to get taxi insurance?

You will need to be a licensed taxi driver in order to take out taxi insurance and operate a taxi in the UK. You will need to provide details of your taxi badge when taking out taxi insurance.

What is London PCO insurance?

The Public Carriage Office (PCO) is the former licensing body for taxis in London. London PCO insurance is simply private hire insurance designed for London cab drivers. Policies for London taxi drivers are sometimes also referred to as black cab insurance.

What are taxi insurance add-ons?

Add-ons or extra coverage are additional insurance products that you can choose to add to your main taxi insurance policy. These can include windscreen cover, breakdown cover and legal cover.

Do Uber drivers need taxi insurance?

Yes, driving an Uber is classified as a commercial activity since drivers are operating under hire for reward. Uber insurance is private hire taxi insurance that will cover you for public liability and insure you for any damage or injury to your customers and the public.

How to compare taxi insurance

You can do a taxi insurance comparison with Quotezone’s quote comparison service. We let you compare multiple taxi insurance providers so you can easily find which quote is best for you. Simply enter a few details and start comparing quotes from multiple UK-based insurance providers.

Getting the best taxi insurance doesn’t always mean choosing the cheapest quote – be sure to check what you will be covered for and whether all your insurance needs are met.

What people have to say about us

Excellent service, very quick and easy

Anonymous

Bexleyheath, United Kingdom

The website was easy to navigate. A one stop shop excellent

Clive

North Shields, United Kingdom

4.94/5 from 17 customer reviews

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