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Taxi Fleet Insurance

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

  • Cover for taxi businesses across Great Britain
  • 24 hour claims assistance for your taxi fleet (optional cover)
  • UK-based support
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Why choose taxi fleet insurance with Towergate?


Multi vehicle policy

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


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)


Taxi breakdown cover

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

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Pay for your taxi fleet insurance by Direct Debit

You can split your payments into instalments

About taxi fleet insurance


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.

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

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 03330 431 073 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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  • Fill in our online quote form or call us
  • Purchase your policy
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Taxi fleet insurance FAQs

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.

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.

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.

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.

Read more FAQs

See our range of cover for commercial vehicles

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