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Taxi Insurance Quotes

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  • One short form to complete, quotes from multiple brokers
  • All types of vehicle covered from saloon to minibuses
  • Private and public hire specialists
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Why QuoteSearcher for Taxi Insurance?

Finding affordable and reliable quotes for taxi insurance in the UK can be challenging. With QuoteSearcher, we’ve partnered with top UK taxi insurance brokers who will all compete to offer the cheapest taxi insurance quotes, ensuring you get offered the best deal possible.

And our brokers are countrywide, meaning they can provide insurance specific to your area of operation, from London to Edinburgh.

Whether you are looking for a new policy or renewal with protection of your no claim bonus, our brokers understand the unique risks of being a taxi driver and will cater your policy specific to your needs. Depending on whether your taxi cab is public or private hire, black cab or part of a fleet, we can find you the best taxi insurance quotes.

Looking for taxi insurance for new drivers? Find out more here.

Taxi Insurance Policy Features

Loss of Earnings

Guaranteed income in the event your taxi becomes inoperable.

Hire Cover

Hire or replacement taxi in the event of an accident, theft or total loss. Find out more about Hire Car Cover.

Legal Fees

The taxi insurance also covers cost of legal fees in the event of a claim against you. Find out more about Taxi Legal Protection.

Public liability insurance

Covers cost of legal fees and compensation claims against you.

Glass and Windscreen Cover

Covers glass and windscreen as they are frequently damaged and expensive to replace. Find out more about Windscreen & Glass Cover.

Protected No Claims bonus

If an accident is not your fault, your no claims bonus will not be affected with this taxi insurance.

Breakdown Assistance

Roadside help to get your taxi back on the road as fast as possible. Find out more about the Taxi Breakdown Cover.

Flexible Payments and Instant Documentation

Monthly or Quarterly payments and electronic certificates.

Taxi Insurance in the UK

Considering the amount of time spent on the road, taxis require their own type of insurance policy as they are operated differently from a standard motor vehicle. Taxis generally do higher mileage, with the majority of time spent in congested urban areas. This increases the wear and tear on the vehicle and the risk of being involved in a vehicle accident. Not to mention the liability risks associated with transporting members of the public.

In the UK, taxis are an established part of modern living. With regards to insurance, they are broadly defined into the following categories:

Private Hire

Private hire taxis don’t have a “Taxi” sign and are pre-booked beforehand.

Public Hire – including Black Cab

Public hire taxis have to display a “Taxi” sign and can be hailed in public. Find out more about  Black Cab Insurance.

Minicab / Minibus Taxi

Minicabs and minibuses are taxis with more than 5 standard seats. Find out more about Minibus Taxi Insurance.

Taxi Fleet

This cover is perfect, if you or your business own more than one taxi. Find out more about Taxi Fleet Insurance.

Private Hire Taxi Insurance

If you're looking to find out more about Private Hire Taxi Insurance

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Private Hire Taxi Insurance

Private Hire Taxis

  • They must be pre booked and cannot simply pick up passengers from the street.
  • They are forbidden from displaying a ‘taxi’ sign.
  • Operated during more socialable hours, so less risk of hazardous drivers
  • Spend less time on the road looking for customers
  • Please note, Uber and other ride share companies are classed as private hire in the UK

Public Hire Taxi Insurance

Find out more about Private Hire Taxi Insurance here

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Public Hire Taxi Insurance

Public Hire Taxis

Public Hire Taxi Insurance is generally more expensive than Private Hire, for the following reasons:

  • Can be hailed from public streets at any time
  • Usually operate late into the night
  • Often carry unruly passengers, which increases the risks involved for the driver.

Frequently Asked Questions About Taxi Insurance

Find out more about Taxi Insurance
    • Will I be able to get immediate taxi insurance cover?
      Once you have submitted your details we will then pass this on to our expert panel of insurers. They will then offer the best quote they possibly can once they have evaluated all your information. They will get in touch with you and you will be able to pay for your insurance via direct debit, or credit or debit card, in order to get immediate taxi insurance cover.
    • Is it possible to purchase breakdown cover?
      Yes, most taxi insurers will provide breakdown cover for you. It will be a good idea to check your policy documents however.
    • If I have an accident, will I be offered a courtesy car?
      This largely depends on the particular taxi insurance policy you have purchased. Normally, courtesy cars are provided by comprehensive insurance whether the accident you were involved in was your fault or not. However, all motor insurance policies have exclusions and conditions and it will be a good idea to check your policy documents for full details of the cover provided.
    • If I take out comprehensive cover, am I okay to drive other vehicles under this policy?
      The ‘driving other cars extension’ that is available on many motor insurance policies is, unfortunately, not available for taxi insurance policies due to the circumstances under which taxis are used and the significant difference in vehicle types.
    • What different types of taxi insurance are available?
      There are several different types of taxi insurance. These can include minicab insurance, private hire insurance, public hire insurance, black cab insurance, minibus insurance, and taxi fleet insurance.
    • How many drivers am I allowed to have on one taxi insurance policy?
      Similarly to motor insurance, you will be able to insure the policy holder, named drivers, or any other driver on your taxi. However, by restricting the amount of drivers you have on your taxi insurance policy, you will save money on a quote.
    • Will I be able to use my taxi for social purposes as well as public or private hire?
      Most taxi insurance policies will allow you to use your taxi for social and domestic use. If you are in doubt however, check with your insurance provider.
    • Will it be possible for my partner to drive my taxi for domestic use?
      Most taxi insurance brokers will allow for this if a taxi has a private hire or public hire insurance policy. It may be worth contacting local authorities however in order to check that this will be okay, and try to get written confirmation in order to present it to your insurer in the event of them enquiring.
    • If I need to make a claim on my taxi insurance, what do I need to do?
      If you need to make a claim, you could contact us here at QuoteSearcher, or alternatively, you could call the company that your particular taxi insurance policy is with. Make sure you have your policy details to hand.
    • Which insurance is best for taxis?
      The best insurance for taxis typically includes comprehensive coverage that protects against a wide range of risks. Look for policies offering coverage for:

      • Vehicle damage, whether you're at fault or not.
      • Liability for passenger injuries and third party property damage.
      • Protection against theft and fire.
      • Legal costs if you're involved in litigation.
      • Breakdown cover specifically for taxi vehicles.

      It's essential to compare policies from different insurers to find the one that fits your specific needs and offers the best value.
    • How to get cheaper taxi insurance?
      To secure the cheapest taxi insurance, you should:

      1. Shop around and compare quotes from various providers.
      2. Opt for a higher voluntary excess if you can afford to pay more in the event of a claim.
      3. Improve vehicle security with devices approved by your insurer.
      4. Build a no-claims discount over time by avoiding small claims.
      5. Consider the level of cover you really need and don't pay for unnecessary extras.
      6. Keep your driving record clean to avoid higher premiums.

      By taking these steps, you can reduce your insurance costs without sacrificing essential coverage.
    • Do taxi drivers pay more for insurance?
      Yes, taxi drivers generally pay more for insurance than private vehicle drivers due to:
      • Greater time spent on the road, increasing accident risk.
      • Carrying passengers, which brings liability in case of injuries.
      • The need for higher limits on liability coverage.
      • Operating in congested areas prone to accidents and thefts.
      • Using specialised vehicles that may cost more to repair.
      These factors mean that taxi insurance premiums are typically higher to cover the increased risk.
    • Can you insure a London taxi for private use?
      Yes, a London taxi can be insured for private use provided it is registered as a private vehicle and not being used for hire. The insurance coverage typically mirrors that of a personal car, taking into account the unique characteristics of the vehicle.
    • What is decommissioned taxi insurance?
      Decommissioned taxi insurance is a type of policy designed for taxis that are no longer in service for public hire. This insurance is generally less expensive and adjusts coverage since the vehicle is being used for private purposes, without the risks associated with carrying passengers for hire.
    • What insurance do I need for a private hire taxi?
      For a private hire taxi, you need a specialised insurance policy that covers not just the vehicle but also the driver, passengers, and third parties. This should include hire and reward insurance as part of the policy, along with public liability insurance and potential legal protection.
    • Can you get GAP insurance on a taxi?
      Yes, you can obtain Guaranteed Asset Protection (GAP) insurance for a taxi to cover the difference between the actual cash value of the vehicle and the balance still owed on its financing in the event of a total loss.
    • What is taxi fleet insurance?
      Taxi fleet insurance is a policy for businesses that manage multiple taxis, offering coverage for all vehicles under a single policy. This can simplify administration and often provide cost savings compared to insuring vehicles individually.
    • How much does Uber taxi insurance cost?
      The cost of Uber taxi insurance varies depending on several factors, including the location, type of car, driver's experience, and the extent of coverage needed. It typically costs more than personal car insurance due to the increased risks involved with ride-sharing.
    • What car insurance does a taxi driver need?
      A taxi driver needs a commercial car insurance policy that covers liability for passenger injuries, third-party property damage, and vehicle damages. It should also include hire and reward insurance specific to taxi services.
    • Can you drive any car with taxi insurance?
      Not necessarily; taxi insurance is usually vehicle-specific and drivers must be insured for each vehicle they intend to drive for commercial hire. However, some policies may allow multiple vehicles to be insured under one policy.
Find out more about Taxi Insurance

Renewing my taxi insurance used to be a right headache, but with QuoteSearcher the process was a breeze and I saved over £250!

Bill Robinson - Bromley

Insuring a taxi with QuoteSearcher is so easy! I filled out one simple form and they did the rest for me, saving me time and money.

Lee Pierce - Twickenham

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