Taxi Fleet 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. Some policies include this as standard and some do not - if you have any queries, please call one of our advisers on 01903 875 420.

No. All single taxi policies we offer exclude cover for driving other vehicles.

We offer a number of ways to pay for your premium including monthly direct debit instalments.

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 875 420 to discuss this further.

This comes as standard with some policies and with others can be purchased as an optional add-on. This type of cover is needed for claiming loss of earnings following a accident that is not your fault and if you wish to claim for loss of earnings and a replacement licensed vehicle. We also offer an enhanced legal cover in which should you have an accident that is your fault, the insurers will still provide a replacement licensed vehicle. However, this level of cover does come at an additional charge.

Insurers need to know about any accidents, incidents or loss that you have been involved in on any motor policy within the last five 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, malicious damage or glass.

Taxi fleet insurance can cover a mixture of different vehicles on the same policy. Hatchbacks, people carriers, minibuses and even coaches can be included as well as, black cabs and mini cabs, for private hire or public hire. It's best to talk through you needs with the team, so just give us a call.

Most of our taxi fleet insurance policies will cover drivers of 25 and over. However, if one or more of your drivers is under 25, we can find policies for you which cover drivers over 21.

We have the flexibility to offer an any-driver policy which will enable any driver to drive any car. However, if you have one or more drivers who you prefer to drive a particular vehicle, our policy can accommodate this too.