Taxi Insurance

Before you pick up your next fare, pick up a quote from our Taxi and Private Hire insurance specialists.

  • Cover for all types of hire and reward vehicle - whether you need black cab insurance or private hire
  • Courtesy plated taxi even if the accident was your fault (optional cover)
  • Taxi breakdown cover including separate onward travel to get your passengers to their destination (optional cover)

Get in touch with us online to request a taxi insurance quote.

Get a quote

Contact us directly for a tailored Private Hire or Taxi policy

01903 875420

We’re here for you Weekdays 9.00am - 5.00pm
Can’t get through right now? Request a callback

Towergate Taxi can provide cover for any hire vehicle whether public or private, chauffeur or contract use with advice tailored to your needs from one of our highly experienced and highly professional staff who are not call centre based:

We cover any hire and reward vehicle including chauffeurs vehicles

We can cover single cars or a fleet of vehicles, public hire or private hire, chauffeur or executive use. We have products which will provide cover for any type of vehicle, from a hatchback to a minibus and from a coach to a limousine. We can provide cover to meet your needs.

24 hour claims assistance (optional cover)

You will have access to a dedicated team available 24 hours a day who will work for you to keep you in work. If all else fails and you’re out of pocket through no fault of your own, our loss of earnings cover is here to help. Whether the accident is your fault or not, we can keep you on the road and earning with a replacement plated taxi.

Levels of cover

If all you need is the basics, we have third party schemes ready and waiting. However, to cover all eventualities try our comprehensive cover options to get that extra comfort buffer. Plus, we’ll explain our cover in plain English so if you’re unsure of the difference between passenger liability and public liability, we’ll make sure you’re clear on what you need and that you only have it on your policy if you need it.

Areas we cover

Whether you’re driving in the highlands of Scotland or through the valleys of Wales, an inner city cabby and your office is on one of the many busy streets or you prefer the quieter side of taxi driving and ply your trades in a rural village or coastal town. North, South, East and West, coast to coast we’ve got you covered with UK wide rates and schemes.

Taxi Insurance Claims

Need to make a claim?

Call or email us and we’ll provide assistance in settling your claim

01903 875420

Call and email us for customers based in Wales

02920 444555

Lines are open Monday to Friday, 9am-5pm

Taxi Insurance Articles & Guides

Browse through our series of guides, articles and infographics to find out just how much we know about the people, items and businesses we cover.

The Greatest TED Talk Ever Sold

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10 Must-Watch TED Talks for Business Owners

If you're a business owner, you may need some inspiration or advice at times. Let's face it, we all do! TED Talks bring amazing minds together to present their thoughts and ideas on a variety of topics - and there are a lot of ideas out there! To save you going through all of them, we've picked our top 10 for business owners.

Hairy Pop Ins Web 2

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What's in a Name? Choosing the Perfect Moniker for Your Business

Your company's name is the most powerful piece of branding at your disposal. It's the first thing potential customers encounter, it's what existing customers associate with your products, and it's probably a word you'll be saying dozens of times each day. Better pick a good one.

Taxi Insurance FAQs

What is the difference between passenger and public liability and do I need both?

Passenger liability provides cover for any member 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 [Depending on your insurer, this cover may already be included or maybe available at an additional cost] provides cover for any member of the public who you are legally responsible for between your vehicle and any premises they are entering or exiting; a good example of this is a school contract where you are legally responsible for the child when they exit your vehicle and until they enter the school gates.

What payment options are available?

We offer a number of ways to pay for your premium including credit facilities over 9, 10, 11 or 12 months [subject to an interest charge] Credit & Debit cards, cash and cheques are also accepted for full or partial payment. Credit cards are subject to a 2.5% charge.

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

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. The cost to make changes to you policy is usually £15

Can my spouse drive my taxi for pleasure?

From an insurance perspective your spouse can be named as an additional driver on any taxi policy however if they do not hold a taxi badge you 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 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.

Do I have to tell you about all incidents?

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 you were driving. You will also need to advise us of any claims involving fire, theft, malicious damage or glass.

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