Taxi Fleet Insurance

Cover up to four vehicles with our multi vehicle policy or five or more vehicles with our taxi fleet policy.

About Taxi Fleet Insurance

Car

Multi vehicle policy

Cover taxi fleets of five vehicles or more including a wide range of vehicle types

Care

Replacement taxis in non-fault claims

We will try to source a replacement vehicle of similar class should any of your vehicles be involved in a non-fault accident (optional cover)

Trade

Taxi breakdown cover

Breakdown cover available for most types of vehicle (optional cover)

Direct Debit

Pay for you taxi fleet insurance by Direct Debit

You can split your payments into instalments

Features of Taxi Fleet Insurance

Standard cover

Taxi fleet insurance for all vehicle types

We understand that your fleet may be made up of many types of vehicles. That’s why our policy can cover saloons, hatchbacks, people carriers, minibuses and even coaches. We can also cover any number of vehicles. If you have fewer than five vehicles it's best to insure them on our regular taxi insurance policy but if you have five or more vehicles in your fleet, our taxi fleet insurance policy is the one for you. Tell our advisers all about your company and we’ll recommend the correct policy for your business needs.

24 hour claims assistance for your taxi fleet (optional cover)

Your drivers are likely to be on all types of jobs throughout the day and night. Our 24 hour claims assistance can be added to your taxi fleet insurance policy to ensure you’ve got all the support you need, whenever you need it. In the event of a non-fault claim, we’ll do our best to supply you with a replacement vehicle of a similar standard to make sure your fleet stays at full strength.

Flexible taxi fleet insurance to meet your needs

We can offer three levels of cover depending on your requirements. We can offer comprehensive taxi fleet insurance policies if you require more wide ranging cover or we can offer third party fire and theft or third party only policies. Our experienced staff will be happy to explain the benefits of each of our policies and will run you through exactly what you’re covered for under each.

Locations our taxi fleet insurance covers

We can cover taxi businesses all across Great Britain. That includes inner city areas and rural areas. Note we cannot cover Northern Ireland and Jersey, but, we may be able to provide advice on where you can find cover in these areas.

Taxi Fleet Insurance FAQs

Question

What is the difference between passenger and public liability and do I need both as part of my taxi fleet insurance?

Answer

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 875420.

Question

Am I able to drive other cars on my taxi fleet insurance policy?

Answer

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

Question

What payment options are available for your taxi fleet insurance policy?

Answer

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

Question

Can my spouse drive my taxi for social or domestic purposes and be covered by my taxi insurance policy?

Answer

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.

Question

Does your taxi fleet insurance include legal cover?

Answer

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.

Question

Do I have to tell you about all incidents?

Answer

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.

Question

What types of car can taxi fleet insurance cover?

Answer

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.

Question

Can I still get cover if I have fewer than five vehicles?

Answer

We can offer a multi vehicle policy for anything between two and five vehicles. Again, we have a variety of cover options available so we’ll work with you to put together the best solution for you.

Question

How old do my drivers need to be?

Answer

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.

Question

Can any of my drivers drive any of my cars?

Answer

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.

Question

Can I insure the vehicles I own and owner-driver vehicles?

Answer

Some of our insurers offer policies to insure a mixture of business-owned and owner-driver vehicles. Please talk to us and let us know all the details about your fleet in this respect.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 03330 431 073 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim