Taxi Driver Insurance

Passenger liability provides cover for members of the public who are injured whilst they are in your vehicle or whilst they are entering or exiting your vehicle. This cover is provided on every taxi policy issued in the UK.

Public liability provides non-motor liability cover for passengers whilst outside your vehicle, either being escorted or in the custody and control of your driver, and has been designed to comply with licensing authorities' requirements.

Most licensing authorities do not stipulate that you require public liability insurance unless you have a contract in place with your local council, but we would recommend you have some form of public liability cover.

Yes, we can cover electric and hybrid taxis.

We can offer cover for chauffeur hire vehicles, minibuses, hire and reward and private hire vehicles.

Yes, you can buy additional cover for breakdowns in the case of either an accident or mechanical failure.

Yes, you can add additional drivers to your policy at any time. Simply give us a call and we will be on hand to make the necessary changes. We advise you check the terms and conditions of your policy beforehand to make sure the driver meets the minimum criteria. There may be a cost to make changes to your policy.

From an insurance perspective, your spouse can be named as an additional driver on a taxi policy. However, if they do not hold a taxi badge, you will require written permission from your licensing officer to allow anyone who doesn’t hold a taxi badge to drive a vehicle which is registered and plated for hire and reward purposes. This applies even if you have removed the plate and any livery from the vehicle before you let them drive. These rules do not apply in Scotland where you can allow your spouse to be named on your taxi policy without prior approval from your licensing officer. Please call 01903 875420 to discuss this further.

Insurers need to know about any accidents, incidents or loss that you have been involved in on any motor policy within the last 5 years. This can include any policy where you were the policyholder and a named driver was involved in an accident or incident that occurred whilst they were driving. You will also need to advise us of any claims involving fire, theft or malicious damage.

Yes, we can provide you with a quotation from a range of insurers on our panel for vehicles used for chauffeur or executive hire.

*Offer applicable at your next renewal. £25 off your premium including Insurance Premium Tax (IPT).