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On this page, you can either read the answer OR we have made a few FAQ videos answering the most common questions!

What is Taxi Insurance?

Motor insurance is required by law for any vehicle used or kept on a public highway. Taxi Insurance is required when the vehicle is used for carrying passengers for hire and reward. There are two different types of taxi insurance. The first is public hire which means the customer can be picked up off the street and the best example of this is the black cab in London. The second type is private hire and this means it’s all pre-booked and already arranged with the customer where to be picked up from. Now for both types, all vehicles must be plated to a licencing authority.

What type of policy is best for me?

We offer a wide range of policies for our taxi customers such as single vehicle policies, multi-vehicle policies to fleet vehicle policies. For multi-vehicle policies, this will usually be for two or three vehicles. For fleet quotations, you can insure three or more vehicles at a time. If you would like a fleet quotation, get in touch with our specialist fleet insurance team today.

What other policies should I consider?

When buying a taxi policy with ourselves, you may want to add additional products to your policy. We do offer a breakdown cover, legal expenses cover, employers liability, public liability, excess protection and replacement vehicle cover. The public liability is a separate policy that runs aside your normal policy. For a small premium, you can either have £5 million or £10 million worth of public liability. The breakdown cover that we offer ranges from £79. Both of these policies will cover you throughout the UK and because it’s a specialised breakdown policy, it will also cover your passengers to be transported to their destination...
of choice.  

When will I get my insurance documents?

You will receive your documents within 2 working days. We can issue your certificate or cover note straight away which means you are insured to drive the vehicle immediately. We also have the facilities to email your certificate or cover note to yourself, base or your council.

Who will my insurance be with?

InsureTAXI use a wide panel of different insurance companies to try and find you a policy that suits your insurance requirements, we’ll search for the cheapest quote from our insurers. We are one of the country’s biggest and fastest taxi brokers; we negotiate rates with our underwriters to try and get the taxi insurance policy that you're looking for.

Can I get immediate cover?

We can provide immediate cover as long as you can make a payment by either credit or debit card. You can also transfer the money direct into our account then we can issue cover for you. If you chose to pay by direct debit, we would require a deposit and a facility to set up a direct debit instruction on your account.

Is there an excess on my Taxi Insurance?

Depending on the type of policy that you would like, most of our customers go for comprehensive cover. So on this, you will have a compulsory excess of £250 to £350. However you can reduce your premium by putting a voluntary excess on. So you could have a whole policy excess of £600 rather than just the £350 and this will bring your premium down. Some other people tend to go with third party, fire and theft to keep their premiums low and you will usually get a compulsory excess of £350.

What about discounts for new taxi drivers?

Yes, we can offer introductory discounts for new drivers if you are a new badge holder and hold private car bonus; if it’s being used at the moment or not. If you have had a badge for many years and you have been a named driver on a taxi fleet company, we will be able to offer you a discount on that as well.

How many drivers can I have on my policy?

The majority of our policies are either insured only or named drivers but you can have any driver policy if you wish but your insurance premium will increase when you add drivers onto the policy. Your quote will depend on the number of drivers, their age and also their no claims history.

Why choose insureTAXI?

InsureTAXI is one of the UK’s biggest taxi brokers for taxi insurance. We have a team of specialists who provide a full suite of taxi insurance solutions. Alongside the ‘classic’ covers such as private hire and public hire, we provide additional extras such as legal expenses cover, excess protection and much more

Do you provide an online Taxi Insurance Quote?

InsureTAXI provide online taxi insurance quotes. Simply visit our online taxi insurance quote page and submit your details. One of our expert taxi brokers will receive your details, search for the best prices and contact you within 24 hours with the quote.

In fact, most of the time our advisors will call you back within the hour. Once they have checked your details, it will take no more than 45 minutes to search our extensive panel of insurers – probably the biggest in the country.

Can I use my taxi no claims bonus?

Yes, you can use your taxi insurance no claims bonus to earn a discount of your taxi policy

InsureTAXI have big discounts for experienced Taxi Drivers – this includes holding a taxi badge for over 12 months or any no claims bonus you have from previous policies.

What cover can I get for my quote?

UK Taxi insurance follows the traditional options:

  • Comprehensive
  • Third Party Fire and Theft
  • Third Party Only

What types of vehicle can I use as a Taxi?

  • Saloon and estate cars are most common as these allow for a minimum of 4 passengers and gives good luggage space
  • Most taxi drivers choose diesel cars for economy and engine life
  • Minibuses and Multi Purpose Vehicles (MPV’s) are required for larger parties of passengers. Cheap taxi insurance is also available on these vehicles
  • Motorbikes
  • Executive cars – in our experience, chauffeur insurance would be best suited. InsureTAXI provides chauffeur insurance, please call 0333 202 3144

What is the difference between private hire taxi insurance and public hire taxi insurance?

There are two types of UK Taxi Insurance:

  • Public Hire Insurance – this vehicle is allowed to do an immediate pick up from the street. The best known example of this is the black cab in London
  • Private Hire Insurance – private hire taxi’s (or minicabs) are arranged appointments from a selected pick up point. Private hire taxi’s can be sole traders or working from a taxi office

What types of taxi insurance are there?

Taxi Insurance includes minicab insurance, private hire insurance, public hire insurance, black cab insurance, minibus insurance and taxi fleet insurance. Your vehicle must be licensed by the appropriate taxi licensed authority in your area.

Will taxi fleet insurance be the best option if I have more than one taxi?

Taxi Fleet insurance is a specialist area and we have a specialist taxi fleet insurance team who deal with fleet insurance every day. Please call 0333 202 3144 or visit our specialist fleet insurance website – insurefleet.com

New Taxi Business – can I get cheap taxi insurance?

Absolutely. As a specialist taxi insurance broker we are experts at getting competitive insurance rates for new taxi drivers. This is especially true if you have a good driving history using private car insurance policies or company car insurance policies. Sometimes you can transfer your private no claims bonus onto your taxi insurance policy.

We have access to market leading taxi insurance prices for new taxi drivers and new taxi companies. This also includes insurance for taxi offices.

Can I phone you for a taxi car insurance quote?

Yes, we’d welcome your call – freephone 0333 202 3144

Many of our customers choose to discuss their taxi insurance quote by phone. The main benefit of a phone quote is that we can change a policy to suit your individual needs, shop around, and usually provide larger discounts AND better policy cover.

We are based in the UK with two specialist taxi teams. These taxi insurance experts know exactly where to go to get the right insurance for you and our large panel and exclusive insurance rates means we have access to market leading taxi insurance prices